Comprehensive and collision auto insurance are two kinds of car insurance that protect your car from damage.
However, they don’t cover the same kinds of damage. If you want to bolster your car’s protection, it’s best to get both kinds of insurance since they cover fairly common kinds of damage.
Of course, that will vary by case, so you’ll need to know the specifics to decide whether to opt for one or both. Here are the specifics of and differences between each kind of insurance.
Collision Auto Insurance
As the name suggests, collision auto insurance covers vehicle damage that’s sustained due to a collision. Collision
auto insurance isn’t limited to just collisions with other vehicles. For instance, collisions with infrastructural or natural objects, like potholes or trees, are also covered.
Additionally, if your car loses control and rolls over, the damages sustained will be covered by this policy. While this
doesn’t fully cover it, damages sustained while your car is moving are covered by collision auto insurance.
Comprehensive Auto Insurance
The best way to understand comprehensive auto insurance is to think of it as covering all non-collision damages.
For instance, if a tree falls on your car, as opposed to you colliding with it, comprehensive auto insurance will cover
Besides tree-related damages, the policy also covers vandalism, natural disasters, and animal collisions.
Again, an easy yet overly simple way to think about comprehensive auto insurance is that it covers damages sustained while your car is idle. Some exceptions can be hail-related damages or animal collisions while driving.
Things to Consider
Both insurance policies aren’t necessary for every driver. Consider how often you drive and how much traffic you face
when traveling. If you face a lot of traffic and drive for long periods, collision auto insurance may be necessary.
Then, consider where you park and leave your car. If you aren’t parking in a secure place, comprehensive auto insurance would be helpful. Lastly, consider your financial situation before you decide to get insurance. No matter how necessary car insurance is, if you can’t afford
it, you’re not going to get it.
Auto insurance is an essential part of keeping your car and finances healthy. The costs of repairs that car insurance avoids more than justify its premium and cost. If you’re looking for cheap, local car insurance Lynwood, CA, get in touch with us, at Global Guard Insurance Services. Besides auto insurance, we also offer business and renters insurance Lynwood CA.
Contact us to secure your car against damages.