The Difference Between Collision And Comprehensive Auto Insurance Coverage

If your parents are no longer willing to pay your car insurance, you might need to contact an insurance company to purchase your first car insurance policy on your own. When you do this, you might now know a lot about car insurance, simply because you've never had to buy a policy before, and you might have some questions. One of the top questions people often have with car insurance involves the differences between collision and comprehensive coverage. Here are several things to know about these two types of coverages.

What is collision coverage?

Collision coverage is designed to protect your own vehicle if you ever cause an accident that leaves your vehicle damaged. Collision coverage also protects you from any damage you cause to other cars in an accident. Having collision coverage is a necessity if you have a loan on your vehicle, but you should consider having this type of coverage no matter what. It will protect you from accidents you are at fault for, and that is one of the top reasons to consider adding it to your policy, even if you do not need to have it.

What is comprehensive coverage?

Comprehensive coverage is the other important type of coverage you can get, and it is also required if you have a loan on your car. If you do not have a loan on your car, this type of coverage is optional. Comprehensive coverage is designed to protect you against things that could happen to your car when you are not driving it. For example, if a tree falls on your car, comprehensive coverage would compensate you for the damage. It is also designed to protect you if you experience vandalism to your car or if your windshield breaks.

Comprehensive coverage is important if you are ever involved in an accident with a wild animal, such as a deer. Collision coverage does not typically cover animal accidents like this, but comprehensive does.

With either type of coverage, you can choose the deductible for it, and you can choose different deductibles for each type of coverage if you want. You will save money on your policy if you choose higher deductibles, but higher deductibles mean you will have to pay more money if you are ever in an accident.

When you talk to an agent about purchasing a policy, you can ask the agent additional questions about these two forms of coverage. To learn more, contact an auto insurance agency, like Affordable Insurance, today.