Comprehensive and collision auto insurance coverages are optional but great ways to pay for a repair or replacement if the vehicle sustains damage. However, each coverage protects against different types of damages. While collision insurance protects against other objects or another vehicle, comprehensive insurance protects your car against unexpected events like a falling tree.

Let’s dive deep into the comparison between comprehensive and collision auto insurance.

What Does It Cover?

Collision and comprehensive auto insurance are important additions to liability insurance and are often sold together by insurance companies. You should know the key differences between the two. Collision insurance covers accidents involving other vehicles or stationary objects, such as a pole, column, or guardrail. Although collision insurance is not state-required, it’s heavily encouraged and may be necessary for an auto loan.

On the other hand, comprehensive insurance covers unexpected damage out of your control, such as hitting a deer or a fallen tree branch. This coverage is also not state-required, but a vehicle lender might require it.

What Is the Deductible?

The good news is you can choose from various deductible amounts for both coverages. However, if you want to pay less out of pocket for making a collision claim, you will have to choose a deductible lower than your comprehensive deductible. We recommend keeping a set amount for both coverages so it’s easier to keep up with your payments.

Which One Costs More?

Contrary to popular belief, comprehensive coverage costs less than collision insurance coverage. However, the cost depends on your car type, location, and other factors like traffic and high-risk areas. As stated above, it’s easier to set the price of both deductibles the same to keep up with your payments, regardless of damage.

Which Coverage Is More Important?

Both coverages are equally important because they protect your car and finances from damage. You should choose the best coverage for your budget and needs, especially if you live in the heart of a city. Some insurers will group the two instead of making you pay separately, depending on where you live.

If you live in California, you most likely need collision and comprehensive auto insurance. When looking for insurance companies, you should always choose a company that provides high-quality service and affordable options. We offer cheap car insurance in Long Beach, Los Angeles and other surrounding locations. Talk to our agents today for more information and a quote!