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The Difference Between Comprehensive & Collision Car Insurance Coverage

difference between comprenhensive and collison car insuranceWhen searching for insurance you should have some knowledge of the difference between comprehensive and collision car insurance coverage. Before taking out a policy you will need to consider your coverages in detail. Do you want coverage only for your vehicle or for yourself, car and your family? The two most popular types of coverages offered are comprehensive and collision.

Most people get auto insurance because it is required by state law, and most consumers only take out insurance which costs them very little. Then there are those that prefer to take out car insurance coverage that covers themselves, their vehicle, and another’s car or property – hence comprehensive and collision. When you request several quotes this will allow you to get an idea of the current premium rates.

If you have a combined insurance policy and you have an accident the insurance company will pay for your car repairs and medical attention irrespective of who caused the accident initially. If your car has been badly damaged the insurance company will pay for restoring your car back to its original state, which includes replacing parts. Auto insurance does not cover any mechanical failure due to poor maintenance.

In order to get a good deal on car insurance coverage you will need to shop around online and request quotes from as many carriers as possible until you find a good deal. Bear in mind that comprehensive auto insurance covers you for riots, weather damage, theft, vandalism, natural disasters and fire. When it comes to a collision, and you caused an accident the insurance company will usually pay expenses that have been suffered. In most states, insurance premiums are determined by a combination of factors on a point system. Points are calculated against insured parties for tickets and accidents.

If you should end up in court and the opposing party files a law suit, collision insurance coverage covers most medical bills up to the limits of your policy, loss of income as well as pain and suffering. If you do not have collision coverage, you will have to pay all these expenses which could amount to millions of dollars. It is important when searching for an auto insurance quote that you closely compare offers.

The premium amounts for insurance coverages will depend on certain factors such as the value and type of car you drive. If you are prone to accidents and you drive an expensive new car then your monthly premiums will be considerably higher opposed to someone who drives an older model car and has a clean driving record.

Now that you have an understanding of comprehensive and collision auto insurance you can make up your mind on which coverages are best for your own circumstances.

Obtaining car insurance quotes online allows you to find a policy that suits your specifications at a good price that you can afford. Make sure you read all the fine print before signing so that you have a clear indication of what you are paying for.