Collision vs. Comprehensive: Car Insurance Pasadena CA

23 October 2015 0 Comments Category: Uncategorized

Comprehensive or Collision Coverage?

Comprehensive and collision coverage often get confused in an auto insurance policy.

For many car owners, an automobile is an investment in freedom and mobility. Getting sufficient car insurance is sure-fire way to protect your car, your mobility, and your financial security.

Collision and comprehensive coverage can protect your car against damage and loss, so it is important not to confuse the types of coverage for automobiles.

Collision coverage addresses loss to your vehicle incurred in an accident where your car hits another car or an object like a guardrail, retaining wall or tree.
Comprehensive coverage coves losses against your vehicle from non-collision events such as damage from fire, theft, vandalism, and hailstorms.

Both coverages have deductibles that can work within your budget. For example, for a lower monthly premium, generally the deductible will increase. While this is good for maintaining an affordable payment, you must consider if you can afford $1,000, for example, out of pocket before the insurance kicks in, should you need repairs that are beyond $1,000.

As these coverages are option, car owners can select one or the other, based on the individual’s factors like current financial situation, age of the car, and the likelihood of filing a claim.

There are many possibilities of maintaining coverage while keeping the premium affordable. Fortunately, an independent agent of Massive Insurance can help you understand how these coverages can help you, and how much collision and comprehensive makes sense for you. For additional information on maintaining your auto insurance policy in Pasadena, CA, contact us today.