RSS

Mar 24, 2015

In our last post, we discussed the basics of auto insurance. Today, we will take this discussion a step further by exploring the differences between comprehensive coverage and collision coverage. Understanding the types of coverage available will help guarantee you find the best auto insurance policies for you and your family. The goal in choosing coverage is to feel more confident on and off the road in all your vehicle choices.

 

What Is Collision Car Insurance?

Collision coverage works as it sounds: it helps protect you from damages that occur during an automobile accident. This includes accidents with other vehicles and stationary objects, such as a tree or lamppost. Accidents caused by inclement weather, such as sliding on ice, are also included. Here are some things to remember about collision car insurance:

  • Collision car insurance will cover the cost of repairing or replacing your vehicle alone
  • It is generally only available when bundled with comprehensive or liability insurance
  • Collision coverage also usually comes with a deductible

 

What Is Comprehensive Car Insurance?

Comprehensive car insurance covers almost all damage that occurs outside of an accident. Examples include damage from natural disasters, vandalism and theft, or falling objects. When looking at comprehensive car insurance, consider these points:

  • Comprehensive coverage is generally cheaper
  • It doesn’t usually cover damage that occurs while you’re actually driving
  • Comprehensive car insurance doesn’t include normal maintenance to your vehicle

 

Comprehensive vs Collision: The Main Differences

The main difference between collision car insurance coverage and comprehensive car insurance coverage is the amount of control you as the driver have. Collision coverage is for those things that occur while driving, while comprehensive coverage mostly includes things deemed an “act of God or nature.”

 

Which One Is Right For Me?

Both comprehensive car insurance and collision car insurance play an important role in protecting your vehicle and your family. When considering what type of insurance coverage you need, it is important to explore all of the options and educate yourself about the benefits and drawbacks of each type of coverage. One of the best ways to determine whether comprehensive or collision coverage might work for you, is to weigh the monetary cost of the coverage against the actual value of your vehicle.

If deciding which car insurance is right for you still feels like a daunting or complicated task, do not hesitate to contact our team of professionals at Best Insurance Services. By talking with one of our representatives, we can put you on the right path to choosing the auto insurance that best suits your needs and pocketbook. We would be happy to answer any questions you may have! 

Article Comments

There are no comments yet.

Be the First to Leave a Comment


(Do not fill out this field, or your comment will be ignored. This field is here to help us protect against automated (spam) comments.

Your comment will show up once it has been reviewed.




Bookmark our mobile website
m.bestinsuranceservices.net

Conveniently access customer service and claim info directly from your cell phone. Read more.

Additional navigation:

Home Page | About Us | Contact Us | Customer Service | Privacy Policy | Companies | Search | Disclaimer

© 2017 Best Insurance Services
California License # 0F06699

California Registration Icon


23940-A Ironwood Ave
Moreno Valley, CA 92557

951-485-0407
9AM - 7PM Mon - Fri
10AM - 4PM Sat