Comprehensive coverage is a type of auto insurance that covers damage on your car that is not caused by collision. You might think that comprehensive means full coverage but it's not true. Theft, vandalism, fire, natural disasters, animal strike, civil disturbance and falling objects are example items covered by comprehensive insurance. As long as you didn't collide your car with another car, comprehensive coverage will pay to repair the damage. It seems like "not-so-important" insurance, but you can't predict when those accident will occur. It's better to have coverage rather than having unexpected expense, and we know that auto repair can costly. 

Collision coverage covers damage to your vehicle caused by collision with another vehicle or object. The insurance company covers your vehicle regardless who is at fault. For example, you hit a tree or a pole, crash with a building, bump into another car, rolling your car, or being hit by another car. Collision coverage comes with a deductible. Let say another car hit your car, but you use your coverage, you still owe your deductible. Your insurance company should try to recover your repair costs from the fault party. If it's successful, then your deductible may be refunded. 

Both types of coverage are optional, it pay for damage to your car and come with deductibles as well. They have different items to cover and it's not futile to purchase both coverage for solid protection. Since collision claims are likely caused by "human error", the insurance rates expect to rise. Meanwhile, comprehensive claims are coming from something you can't control, the rates should not rise. Furthermore, some state laws against rate increases related to comprehensive auto insurance claims. 

During vehicle driving, it's not difficult to accidentally hit something or gotten hit. Therefore, you need collision coverage to protect your vehicle against physical damage. This type of coverage is important because anything can happen on the road. Some of the most significant damage to your vehicle can come from another vehicle, tree, pole, or guard rail. When you get into accident, you will pay your deductible then your collision coverage will help pay to repair or even replace your vehicle.

Collision coverage does not cover your vehicle if got damage from storm, flood, animal (deer), falling object, vandalism, etc. This coverage policy that distinguish between collision coverage and comprehensive coverage. You can purchase collision coverage only if you combine it with liability and comprehensive coverage. Collision coverage might expensive, so in order to lower costs people mostly choose minimum $500 deductible or higher. Raising your deductible can lower your auto insurance premiums. However, you should adjust the deductible with your ability to pay pocket if collision occur.

Purchasing both comprehensive coverage and collision coverage means your vehicle are fully protected. Comprehensive coverage usually cheaper than collision damage. Furthermore, animal and weather damages are common when it comes to vehicles. Collision coverage could cover your vehicle from your mistake or collision with other vehicle. When it comes to selecting your vehicle's coverage, you have to consider the cost of coverage with the value of your vehicle. Having both or one of these coverage type, you can have a little peace of mind.