What Is the Difference Between Comprehensive and Collision Car Insurance?

While comprehensive and collision car insurance may seem similar, these policies serve distinct purposes and cover different types of incidents.

Comprehensive Car Insurance

Comprehensive car insurance can help cover damage not caused by a collision, including theft, vandalism, natural disasters and falling objects. For example, if a tree branch falls on your car during a storm, comprehensive insurance may help cover the repair costs. It may also help cover damage from events like fire, hail, and flooding.

Collision Car Insurance

Collision car insurance may help cover damage to your vehicle from a collision with another vehicle or object. This includes accidents where you hit another car, a tree or a guardrail. Collision insurance is particularly valuable if you are at fault in an accident, as it may help cover the cost of repairs to your car regardless of who caused the accident.

Deductibles

Comprehensive and collision insurance policies have a deductible, or the amount you must pay before insurance coverage kicks in. The amount of the deductible can vary, and choosing a higher deductible can lower your premium, but it also means you’ll pay more out of pocket if you need to file a claim.

Key Differences

The primary difference between comprehensive and collision insurance lies in the types of incidents they cover. Comprehensive insurance covers non-collision-related events, while collision insurance specifically covers damage from collisions. Both types of coverage are optional but can be essential for protecting your investment in your vehicle.

Choosing the Right Coverage

Deciding whether to purchase comprehensive, collision or both types of coverage depends on several factors, including the value of your vehicle, your driving habits and financial situation.

If you finance or lease your car, your lienholder can require collision and comprehensive coverage. Our agents can help you get appropriate coverage at favorable rates.

Contact Us

Contact Ayala Insurance Services in Phoenix, AZ, for a personalized auto insurance 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.