Comprehensive & Collision Coverage

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Car Insurance - Comprehensive and Collision Insurance Explained

Comprehensive and Collision auto insurance along with liability and medical are what is known as full coverage. Comprehensive insurance covers you in the event your car is damaged by vandalism, weather or theft. Collision insurance covers your vehicle if damaged when you strike another vehicle or object. If your car is financed, you will likely be required to obtain full coverage. With an older model you may wish to consider whether auto comprehensive and collision  insurance is worth it based on the value of your car.

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Auto Insurance - Comprehensive Vs Collision

Someone sprays graffiti on your hood, that would be your comprehensive insurance. You back into a pole, that’s collision coverage. Simply put, things that happen to your vehicle that are not within your control are comprehensive. Things that happen to your vehicle because of some action on your part are collision!

Collision & Comprehensive Auto Insurance - Do you Need It?

Here are some guidelines for car insurance, collision and comprehensive

Your vehicle is financed or leased = Yes
Vehicle is less than 10 years old = Maybe not
The vehicle’s worth is greater than $3,000 = Consider it

Financed and leased vehicles generally require auto insurance, collision and comprehensive coverage, before you leave the dealership. So,  we recommend you look for & get a quote to find the cheapest car insurance with collision and comprehensive before you begin your search for a vehicle. Those with older vehicles or one’s that have values which are below $3,000 may want to consider carrying liability coverage alone remembering that any damage they sustain will not be covered.

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Factors When Considering Collision & Comprehensive Car Insurance Coverage on your Vehicle

If your car is leased or financed, likely the only options to save money are by increasing the deductibles but even that may be set by the lessor or financing agent.

If your car is older, then several factors may influence your decision. The state of your finances, the value of your vehicle, the areas in which you drive and the accident potential are all factors you should consider when deciding on car insurance coverage.

Daily use of your car in high traffic areas significantly raises the risk of an accident. If you commute to the train station, you represent less risk which usually translates into lower rates.

FREQUENTLY ASKED QUESTION - FAQs

You hit somebody or something or somebody hits you and this covers the repairs on your vehicle minus the deductible you chose.
Weather,vandalism, theft or damages over which you did not have control. An example: a damaged or broken windshield are covered under the comprehensive coverage after your deductible is paid.
A covered loss after the deductible has been satisfied is paid for by the insurance company. With most vehicle insurance policies, the coverage extends to a rented vehicle as well, though we recommend you confirm this with your agent or insurance company.
Nearly all states require liability insurance but none require comprehensive and collision. However, all leasing and finance companies from whom you obtain a vehicle will require these coverages to protect their interest.
Check with your agent but most auto insurance comprehensive or collision policies cover a rental vehicle with the same coverages that are on your covered vehicle.
Once a car is paid for and you own it, whether you keep Comprehensive and collision is your decision. As we have mentioned, if your car is worth less than $3,000 dollars and is more than 10 years old, you may save money by just carrying liability coverage.

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