What Is Comprehensive Insurance vs. Collision?

car insurance paperwork and key

Once you’re behind the wheel of a new model, you might be asking yourself, “What is comprehensive insurance vs. collision?” Well, collision insurance covers the damage to your vehicle caused by an accident. Comprehensive insurance covers done to your vehicle that is not caused by an accident (natural disasters, vandalism, theft, etc.). Explore more details on the key differences between comprehensive vs. collision insurance with Richard Catena Auto, below.

Auto Insurance: Comprehensive vs. Collision

While exploring the key differences between comprehensive and collision insurance, it’s important to note that both of these are simply options. They aren’t legally required by the state like liability insurance is. With that said, let’s explore some examples of what is covered by comprehensive and collision insurance:

  • Comprehensive Insurance Coverage
    • An animal collides with your car
    • A tree falls on your car
    • A natural disaster destroys your car
    • Your car is stolen or vandalized
  • Collision Insurance Coverage
    • Damage caused to your vehicle by colliding with another vehicle
    • Damage caused by a rollover
    • Damage caused by poor road conditions, i.e., large potholes
    • Damage caused by colliding with a stationary object, such as a tree or fence

Which Option Is Right for You?

Many Paterson and Passaic drivers tend to combine comprehensive and collision insurance in addition to their liability insurance. However, bundling these types of coverages might not be an option for drivers with a budget. Consider the following factors to help make your decision:

  • What Is Your Current Financial Situation? If you had to pay to repair or replace your vehicle out of pocket right now, would you be able to?
  • What Are Your Driving Habits? Do you have a long commute from Passaic every day? This may put you at a higher risk of an accident.
  • What Are Driving Conditions Like Where You Live? Are the roads you frequent riddled with potholes? Are collisions with animals or falling trees a common issue in your area?
  • Does Your Car Hold a High Value? Think about the condition of your car. Does it still hold a lot of its original value?

Learn More About Your Options at Richard Catena Auto

If you’re still unsure about whether comprehensive insurance or collision insurance would be right for you, talk with someone from our finance department. Our team is ready to help answer your questions. If you’re in the market for a new Chevy Equinox or a new Silverado, we can also help you explore your financing options and estimate future payments with our online payment calculator! Be sure to contact Richard Catena Auto today to find out more!

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Richard Catena Auto
Richard Catena Auto
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