Collision coverage covers damage to your vehicle when involved in a collision (hence the name), whether you hit someone or are hit by something else. Your car insurance company will pay to repair your damage.

However, there is what is called a “deductible” that you pay (or that is “deducted”) before you insurance company pays their share. Your car insurance policy gives you the option of selecting a larger deductible (which lowers your premiums) or a smaller deductible (which increases your premiums).

Either way, money is going to come out of your pocket – (if it makes you feel any better much more money will be coming out of the insurance companies pockets.

When getting car insurance quotes the better you understand this, the better position you will be in to gain the best coverage.

Comprehensive There are many more things that can cause damage to your car or truck than an actual collision:

Flood damage

Hail damage

Theft Vandalism

Earthquakes

Rocks hitting your windshield –

The list is almost endless.

Comprehensive comes into play to protect you in an accident, but also in many other areas. If the engine of your car caught fire sitting in your driveway, there was no collision, but if you have a Comprehensive car insurance policy you are covered – less the deductible that you selected.

Especially if you live in an area that is prone to some of the above, when you are shopping for car insurance quotes you may find including Comprehensive to your car insurance policy is a wise decision.