If you have your own automobile, a comprehensive Auto Insurance is all you need. It covers almost all the damages to your automobile. The premium you pay is based on the following factors:

• The amount of coverage you have
• The kind of coverage you have
• The bulk of deductible that you pay
• Your record of driving
• Theft and safety record of your automobile

The auto insurers generally charge you for every six months. Always remember that you can negotiate with your insurer about the payment terms. But also keep in mind that breaking up your premium into smaller parts will add to the total amount of the premium.

Comprehensive auto insurance is applicable for all types of vehicle, both new and old; but the terms and condition of the insurance policy depends upon each insurance agency.