Differences between Collision Insurance and Comprehensive Auto Insurance

When it comes to auto insurance, there are two main types of coverage: collision insurance and comprehensive insurance. While both types of insurance can help protect you and your vehicle, there are some key differences between the two. In this blog, we’ll go over the differences between collisions vs. comprehensive auto insurance to help you understand which type of coverage is right for you.

A smartly dressed woman standing in front of an SUV

What is Collision Insurance?

Collision insurance covers the damages sustained by your vehicle that result from a collision with another object or vehicle. This type of coverage can also help cover damages caused by potholes, hitting a curb, or other accidents involving your vehicle.

What is Comprehensive Insurance?

On the other hand, comprehensive insurance covers damages to your vehicle that occur due to non-collision events. This can include things such as vandalism, theft, natural disasters, and damage caused by animals.

What Does Collision Insurance Cover?

Collision insurance typically covers damages to your vehicle, regardless of who was at fault for the accident. This type of coverage can help you pay for repairs or vehicle replacement up to the policy limits.

What Does Comprehensive Insurance Cover?

Comprehensive insurance covers a wider range of events than collision insurance. In addition to theft and vandalism, comprehensive insurance can also cover damages caused by fire, hail, flooding, falling objects, and collisions with animals.

How Are the Premiums Different?

The premiums for collision insurance and comprehensive insurance can vary based on several factors, including the make and model of your vehicle, your driving history, and your location. Generally, however, collision insurance tends to be more expensive than comprehensive insurance because it covers a narrower range of events.

Do I Need Both Types Of Coverage?

Whether you need both types of coverage depends on your unique circumstances. If you have a newer vehicle or a vehicle that you still owe money on, collision insurance may be a good investment to protect your investment. However, if you have an older vehicle that is paid off, insurance providers believe comprehensive insurance seems like the more cost-effective option.

Broken windshield of a car

What Are the Deductibles Like?

The deductible for collision insurance and comprehensive insurance can also vary. The deductible is the amount you pay out of pocket before your insurance coverage kicks in and takes over. In general, collision insurance tends to have higher deductibles than comprehensive insurance, which can make it more expensive to use. Collision insurance and comprehensive insurance are both important types of auto insurance coverage that can help protect you and your vehicle. If you’re still contemplating which one to choose, let an insurance agent in Indian Orchard guide you. Western Mass Auto Insurance can help you with your auto insurance and home and office insurance needs. Learn more about our services here.