What is the primary benefit of a comprehensive insurance policy?

A comprehensive insurance policy is designed to provide extensive coverage for a wide range of risks. The primary benefit lies in its protection against theft, damage, and various other incidents that can affect the vehicle. This policy goes beyond just accidents, covering scenarios like theft of the vehicle, vandalism, fire damage, and even some natural disasters.

This type of insurance ensures that the policyholder is safeguarded against financial loss from a myriad of potential risks, not just those stemming from collisions. In contrast, other options like coverage for accidents only, lower premiums compared to third-party insurance, or specific coverage for commercial vehicles do not capture the full spectrum of benefits offered by a comprehensive policy. Thus, the correct answer effectively embodies the broad protective nature of comprehensive insurance.