Collision vs comprehensive coverage

Comprehensive vs. Collision Coverage

When it comes to auto insurance, it’s important to know what you are getting. There are different types of coverages available and each functions a bit different than the others. Understanding the difference between comprehensive auto insurance coverage and collision coverage could affect your future. Here is what you need to know about these two coverages.


What is Collision Coverage?

Collision coverage is a type of auto insurance coverage that is designed to help cover damage to your vehicle in an accident. This could include repair costs or the cost of replacing your vehicle.

Some examples where collision coverage would be handy include:

  • Your car hits an object
  • Your car is involved in a crash with another vehicle
  • A pothole causes car damage

What is Comprehensive Coverage?

Comprehensive coverage is a type of auto insurance coverage for non-collision related damage. This may include: theft, vandalism, or weather-related damage.

Some examples where comprehensive coverage could be of use include:

  • A tree falls on top of your car
  • A natural disaster occurs and damages your car
  • Someone vandalizes your car or steals something
  • You accidentally hit an animal when you are driving
  • A hail storm damages your vehicle

Are these coverages required?

Each state has their own auto insurance minimums. However, these two coverages are optional. Though they are not required by law, if you lease your vehicles or have a loan for it, your lender may require you to have these coverages. They are a good idea to have, regardless of legal regulation.

Factors To Consider

There are many different factors to consider when looking at auto insurance coverage. Think about how auto insurance fits into your life and what impact it might have in the future. When looking at coverage, these are some things to keep in mind:

  • How much your car is worth
  • How often you use your car
  • Where you drive your car (high risk areas vs low risk areas)
  • Financial situation and savings in the event of an accident

Cost of Coverage

While the cost of coverage is dependent on a multitude of factors, there are ways to save. Good driver, bundling, and paid in full discounts are some common ones, but there plenty more out there! Ask your insurance agent about potential discounts. You might be eligible for savings you didn’t know about!

Talk to Your Agent

The best thing you can do is speak to your insurance agent about coverage options. They can help you assess your needs and what you can do to help protect your vehicle. If you have any questions about coverages, they can help address those. Your insurance agent is there to help you get the right coverage. Whether it’s collision coverage, comprehensive coverage, or other auto insurance coverage, they are there to help you figure it out!

Outside of your mandated auto insurance coverage, these two coverages are something worth considering. You can’t predict what perils your vehicles may encounter. Some of these perils can happen when your car is parked at home!

Call an Encharter agent today and discuss your auto insurance options! Reach us at 888.754.8299!

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