Three Reasons To Get Collision And Comprehensive Insurance For Your Car

When I found out I was expecting my first child, I knew I had to save as much money as I could, so I switched my insurance policy to one that offered a very low rate. I really didn't look into what it covered, but just the price. Soon after, I accidentally backed into another car in a parking lot, and my trunk was badly dented. I called my auto insurance company right away, and they told me that my policy was "liability" only and didn't pay for my vehicle damage. They also told me that if I was injured in an accident, the policy wouldn't cover that either! I switched policies right away. I learned a hard lesson that day, and I decided to start a blog to share my story and offer other auto insurance tips I have learned over the years since!

Three Reasons To Get Collision And Comprehensive Insurance For Your Car

28 September 2016
 Categories: , Blog


Deciding on how much coverage to get for your car can be a difficult process. Of course, each state will have minimum requirements for liability and property damage. This is protection for the damage you do to another car and any injuries to people. But what can be tricky is in knowing how much of the optional insurance you should buy. Most of this insurance falls under the category of collision and comprehensive insurance. The following are reasons to consider getting this type of insurance.

Collision insurance

This insurance covers damages to your car when you are in an accident with another vehicle and it is your fault. Often, car owners will think that this coverage is not important. All you need to do is drive carefully. You only need to worry about the other drivers on the road. But the problem with this type of thinking is that accidents will happen. That's why they're called accidents. If you depend upon your car for transportation, then you owe it to yourself to get this coverage. It doesn't have to be expensive. There are deductibles associated with collision insurance, so if you have a high deductible, your premiums will be lower.

Comprehensive for vandalism

You may have theft coverage for your car, but what do you do if your car is vandalized? Theft will not cover this. You can wake up one morning and as you go to your car to drive to work, you may find your car vandalized to the point where it cannot be driven. People have had their cars broken into by thieves looking for spare change. And this is only one example of vandalism. Having comprehensive insurance will allow you to get the needed repairs quickly, and keep your car on the road.

Comprehensive for natural occurrences

This covers a wide variety of situations. Some of this damage comes from weather such as hail in a thunderstorm. There is also damage that is common from high winds. Regardless of where you live, when the wind speeds are high enough, almost anything airborne can potentially damage your car. But there can also be damage to your car even when the weather is nice. You can be parked underneath a tree when a large, dying tree branch gives way and crashes onto your car. Like the vandalism mentioned above, this type of damage can happen without warning, and there is no insurance company to call but your own, so you need this coverage in your policy.

You should consider the coverage listed above even if you have an older model car. Both collision and comprehensive can be valuable in keeping your car operational when the unexpected happens. For more information, contact companies like House-Chilson & Associates

About Me
Always Choose Your Auto Insurance Policy Carefully

When I found out I was expecting my first child, I knew I had to save as much money as I could, so I switched my insurance policy to one that offered a very low rate. I really didn't look into what it covered, but just the price. Soon after, I accidentally backed into another car in a parking lot, and my trunk was badly dented. I called my auto insurance company right away, and they told me that my policy was "liability" only and didn't pay for my vehicle damage. They also told me that if I was injured in an accident, the policy wouldn't cover that either! I switched policies right away. I learned a hard lesson that day, and I decided to start a blog to share my story and offer other auto insurance tips I have learned over the years since!

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