The Difference Between Comprehensive & Collision Insurance | Carlsbad, CA
Collision Insurance
Collision insurance covers auto collisions with another vehicle or objects, such as trees or concrete barriers. It should be noted that collision insurance also covers pothole damage.
Comprehensive Insurance
Comprehensive insurance is for non-collision-related incidents, such as hail, wind, natural disasters, contact with animals, glass damage, theft, and vandalism.
Which is Better: Comprehensive vs. Collision Insurance?
Often times, comprehensive car insurance covers events that collision insurance does not – meaning it can be beneficial to have both types of coverage depending on your unique circumstances.
Factors to Consider
Some key factors to consider when choosing comprehensive, collision, or both types of insurance range from the value of your vehicle, how far and often you drive, and geographic tendencies. For example, your city of residence may be earthquake-prone, experience seasonal fires, or have a heavy deer population. If this is the case, you may want to consider comprehensive car insurance. If your vehicle is newer and you commute long distance frequently, you may want to look into additional collision insurance.
When Should You Drop Collision or Comprehensive Insurance?
If your needs change, it may become appropriate to drop your collision or comprehensive auto insurance. However, California law requires drivers to have at minimum:
- $15,000 per person bodily injury liability coverage
- $30,000 per accident bodily injury liability coverage
- $5,000 property damage liability coverage
Please contact your insurance provider for additional insurance information, rates, and available discounts.
