- August 29, 2020
- Posted by: admin
- Category: blog

If you’ve recently purchased a vehicle, you need to be looking for reliable auto insurance before you can drive. In most states, it is illegal to drive without auto insurance, so you might as well lock your car in the garage before your insurance policy comes into effect.
But while you need to immediately purchase an auto insurance policy, you also need time to navigate the overwhelming information that comes with shopping around for one.
There are two main kinds of auto insurance policies: comprehensive and collision. They are independent, but also complement each other. It is essential to learn the difference between the two if you want to make an informed decision.
Comprehensive Auto Insurance
While you might be most concerned with accidents involving you running into other vehicles, your car can also sustain damage because of unpredictable weather, monster-sized hail, falling trees, a break-in, or vandalism.
A comprehensive auto insurance policy works can protect your car against physical damage due to a variety of factors, except for a collision.
Salient Features
The following are some salient features of a comprehensive auto insurance policy:
• This insurance can be applied in combination with any other coverage
• It covers glass damage, including chips and cracks on the windshield
• Protects against storm damage
• Covers damage against vandals breaking into your car, keying it, or even stealing your personal belongings
• It also offers decent prices coverage along with lower deductibles
Collision Auto Insurance
Regardless of which car you’re driving and where you’re driving it, if it’s on the road, you run the risk of getting into an accident and sustaining damages or losses. The injured person could be you, another car owner, a pedestrian, or all of the above.
If you aren’t too careful while driving a car, it’s not very difficult to hit someone on the road. Somebody is always at fault in a collision, and that somebody could be you. You need to purchase collision coverage if you’re an at-risk driver. The higher your deductibles, the lower your monthly payments will be. Hence, this is an excellent opportunity to save your money while also protecting yourself against accidents.
Salient Features
Here are some salient features of a collision auto insurance coverage:
• You can purchase collision coverage combined with liability insurance and comprehensive coverage
• Collision coverage repairs the damage when two or more vehicles collide or reverse collide into each other
• The policy also protects you against accidents with inanimate objects and pothole damage
It is recommended to opt for both insurance policies to protect yourself from damage while driving. However, if you can’t afford to pay the deductibles for both of them, you should contact your insurance agent in Springfield to help you figure out which one’s the best option for you.
If you’re looking for a reliable auto insurance provider in Springfield, get in touch with our agents at Western Mass Auto Insurance. We provide an exceptional range of insurance services, including auto insurance, commercial vehicle insurance, homeowners insurance, and apartment insurance Springfield. You can visit our service pages to learn more!
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