These two types of auto insurance are the most common types of insurance you will see when getting a car insurance quote. They offer you protection when your vehicle is damaged. The type of damage they cover, however, is not the same. Read below to learn more about both types of insurance.
- Collision Insurance: Collision insurance covers damage to your vehicle in the event of a covered accident involving a collision with a vehicle. This type of insurance covers repairs or replacement of your covered vehicle.
- Comprehensive Insurance: Comprehensive coverage covers other damages caused by covered events such as theft, vandalism, or hail.
In some cases, comprehensive insurance can protect you from damage that collision insurance does not. Which is why bundling comprehensive and collision coverage can work in your favor.
What to consider when choosing your car insurance.
When choosing car insurance you may wonder if having both types of coverage is necessary. In order to determine this you need to consider several factors.
- The Value Of Your Car: Knowing how much your car is worth can help you decide whether you need collision coverage. If your car is newer we would recommend having both comprehensive and collision coverage.
- Risk Of Accident: Consider how often you drive your car. If you drive frequently or have a long commute you may want both comprehensive and collision coverage.
- Your Area: Consider the area you live in and the area where you work. If your area has a higher number of vehicle damage, theft, or vandalism you may want to consider adding comprehensive coverage.
Contact Our Experts To Learn More
To learn more about the differences between comprehensive and collision coverages contact our team. We can explain the details of the coverage and help you choose which coverage is right for you.