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What Is The Difference Between Comprehensive And Collision Car Insurance?

When choosing the right car insurance policy, drivers have to make many different decisions about what they consider most important for their policy. One decision drivers may have to face is the type of insurance and whether or not they want to get comprehensive or collision car insurance. Informing drivers about what these two types of insurance cover can help them make an informed decision that best suits their interests. That’s why in this article, Stanton Insurance will explain the differences between comprehensive and collision car insurance.

Key Takeaways: 

Comprehensive and collision car insurance provides two very different types of coverage for vehicles, and it is important to know the difference between the two. 

1.) Comprehensive: This type of coverage protects drivers from any type of incident that is not a collision. 

2.) Collision: This coverage is focused on protecting drivers from collisions that occur with other vehicles.

What Is Comprehensive Insurance? 

Comprehensive coverage is also known as “other than collision” coverage. It is optional insurance that is meant to protect drivers from non-collision events that they are unable to control. This type of insurance is typically used to protect against damage caused by things like theft, fire, vandalism, and weather-related events such as hail, floods, and tornadoes. Comprehensive insurance also typically covers any accidents that a driver may have with an animal. Altogether, comprehensive insurance protects  the driver from any damage that is not caused by a collision. 

What is Collision Insurance? 

Collision coverage is another optional insurance that covers car damage caused by a collision with another vehicle or object, such as a tree or a pole. Collision coverage covers the vehicles physical damage when the vehicle hits anything other than an  animal (That’s Comprehensive coverage). This type of insurance will cover you no  matter who is at fault for the accident. There are three main types of collisions that a  driver will be protected from with this type of coverage: 

  1. A collision with another driver,
  2. A collision with an object like a fence or tree,
  3. Or some single-car accidents may also be covered. 

Overall, collision insurance protects drivers from the many different types of collisions that could occur while on the road. 

Which Is Right For You? 

For many drivers, the best decision is to get both types of car insurance, comprehensive and collision. This decision will allow drivers to protect their vehicles from all the different types of damages that may occur. Yet, some drivers may decide to use only comprehensive or collision car insurance. Different factors can influence which would be a driver. These factors may include the car’s value, driving habits, budget, and a lender or lease agreement. All of these factors should be carefully considered before deciding on comprehensive or collision car insurance. 

At Stanton Insurance, we want to help you make the best decision for your car insurance policy. We understand that your car insurance policy deserves the best care and attention. That’s why our team of experts is dedicated to helping our clients through every step of the process. So don’t hesitate to call us now and get a free car insurance quote! Our number is (309)734-2171.

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