Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer

UPDATED: Oct 1, 2020

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If you’re getting auto insurance, you’ll want to understand the difference between regular car insurance and broad form car insurance.

Broad form insurance covers the basics that a standard policy covers as well as unusual or odd situations. A good example of this would be when a company purchases insurance for a fleet of cars vs. just one vehicle.

Another reason is that broad form will often include such damage as flying rocks (ideal if you’re driving on rough roads). This would be a separate option if it is available at all, on a standard basic insurance policy.

Broad form also requires a deductible just as a basic standard insurance policy would. These deductibles will vary according to the details of your actual insurance policy.

Steering Wheel of Car

Having a broad form policy may help you in the long run if you’re trying to save money. While you may pay more for your monthly premium, you’ll save by having better coverage and being able to drive any vehicle on the policy.

In a standard policy, the coverage is only for the vehicles listed. Broad form is an insurance that follows the driver or the company.

It offers lower deductibles on the claims and will help to save more money in the long run for your premium.

By choosing a broad form policy, you’re getting better coverage for your fleet or cars or your drivers. This is especially important for you if you have specific driving conditions that may cause such things as cracked windshields or other such damage to your vehicles.

The broad form coverage will require a deductible, just as a basic standard policy that has full coverage, however, this deductible will be far less costly than that of a regular policy. This policy is the ideal way to go for a lower deductible.