Comprehensive Insurance Vs. Collision Insurance

Comprehensive and collision insurance can cover the cost of replacing or repairing your vehicle if it’s damaged. However, each coverage protects against different damage. So, what is the difference between comprehensive insurance vs. collision coverage, and how do you know which is best for you? What Is The Difference Between Comprehensive Vs. Collision? Comprehensive vs. collision insurance will cover damage from different circumstances, and it may not make sense to pay for coverage you probably won’t need. Comprehensive insurance covers the cost of repairs for vehicle damage incurred off the road, while collision covers various vehicle damage incurred while driving. What does comprehensive insurance cover?

• Natural disasters damages
• Vandalism or theft
• Damage resulting from an animal collision

What does collision insurance cover?

• Damage due to poor road conditions
• Damage due to a collision
• Damage due to a collision with a stationary object

Which Is Right For You? Comprehensive vs. collision coverage can come bundled or separate when choosing auto insurance. Ask yourself the following questions to determine which coverage will benefit you most:

• What daily driving conditions do you deal with?
• Is your car new, or does it hold a high value?
• What is your current financial situation?
• What are your daily driving habits?

You may consider comprehensive or collision insurance if you drive on rough roads or drive hours every day. In contrast, comprehensive or collision insurance may not be the right investment for you if your car is older or if the additional cost would go out of your budget.