Car Insurance Tips- Comprehensive and Collision Coverage

by CarInsurance.com Staff Writer on December 20, 2010

There are many different types of coverage that you’ll find on any auto insurance policy. Two of the most crucial types of coverage that many people don’t even have are comprehensive and collision coverage. These types of coverage are only required with full coverage policies according to most state laws, but they can be an asset to anyone who has them. Here is a brief glimpse at what each of these does and how they can help you out:

Comprehensive

This coverage is designed to take care of everything else. That means if a tree branch falls on your car, it’s covered. If your windshield is broken, the insurance will fix it. If someone’s house collapses and it lands on your car, it’s covered. Basically, anything that doesn’t involve a collision or accident is covered under comprehensive coverage. This can be a great addition. Deductibles range from as low as $100 to $1000, so you can choose how much you pay out of pocket. Most commonly, people will set the deductible at $250 or $500.

Collision

This insurance coverage is the part of auto insurance that takes care of your car when you hit something that isn’t another driver. When you hit a pole, a tree, or any other inanimate object and need your car fixed, it’s covered under collision coverage. You will also use this to repair your car when you cause an accident and have to have damages repaired. If someone hits you, their insurance will cover it. If they don’t, you should have uninsured/underinsured motorists’ coverage so that you don’t have to take it out of your collision coverage. The deductible for this coverage is like comprehensive, usually between $100 and $1000, but averages around $500 on most insurance policies.

Auto insurance is one of the easiest and most common types of insurance to buy. However, there are still many details of it that can be confusing. By taking the time to check out all of the different options and understand the different types of coverage that you can get, you will be better prepared and informed when it comes time for insurance shopping.

At CarInsurance.Net, we do our best to provide you with all of the information and tools that you need to make the best insurance decisions. We are not an insurance company, nor do we represent or claim to represent any insurance company or provider. We merely want to help consumers get the insurance that they need for better rates, and with a better understanding of how insurance works.

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