Comprehensive and Collision Auto Coverage: Why You Need Them 

Two essential types of auto insurance coverage are comprehensive and collision coverage. Adding these to your policy may help reduce the financial hit from damage-related repair or replacement costs after unexpected incidents.

What is Collision Coverage?

Collision coverage may provide financial support if your vehicle is damaged in an accident, no matter who is at fault. This includes collisions with other cars, hitting a stationary object like a fence or a pole, and a rollover. If you’re driving and strike another vehicle or back into a wall, this coverage may help pay for repairs or replacement of your car. Unlike liability insurance, which may pay for damage you cause to third parties, collision coverage may help with damage to your own vehicle.

What is Comprehensive Coverage?

Comprehensive coverage may help pay for damage to your car that doesn’t involve a crash with another vehicle. It may cover incidents out of your control, such as severe weather, theft, vandalism, falling objects or fire. For example, if a hailstorm dents your hood or a tree branch cracks your windshield, this coverage may cover the repair. Similarly, if your car is stolen or damaged during a break-in, you may be reimbursed for repair or replacement costs minus your deductible.

How Much Does it Cost to Add These Coverages to My Policy?

The cost to add comprehensive and collision coverage to your auto insurance policy depends on several factors, including your vehicle’s make, model and age, driving history, location and deductible amount. If you lease or finance your car, your lender may require both coverages, and your overall risk profile will influence your rate.

The agents at Family Affordable Insurance can recommend the appropriate coverage for your situation. Contact us today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.