Comprehensive and Collision InsuranceCompare Car Insurance Quotes in 3 Steps
1. Enter Your Zip:Page Overview
Collision and Comprehensive Coverages
When you cause an accident, your first concern will probably be how you’ll pay for the other driver’s damage. If you have liability coverage, this will hopefully cover all of those costs. However, if liability is all you have, you could be left with no way to pay for your own damages.
While most states only require you to be covered for injuries or damage you cause to another person, not many states have requirements in place for damages you incur.
Insurance coverage for your car is considered optional and comes mainly in the forms of collision and comprehensive coverages. Based on the coverage, you’ll have protection for damages incurred in a crash or other unforeseen events.
Collision coverage will help pay for repairs to your car (as well as replacement costs, in the event your car is totaled) after:
- Crashing into another car.
- Crashing into an object.
- Rolling over.
NOTE: If your car is damaged in a hit-and-run incident, you will generally be covered through collision coverage. However, this may not be the case in no-fault states or other states.
Comprehensive coverage will help pay for repairs to your car or replacement of your car after it’s been damaged by events that aren’t accident-related.
Typically, with comprehensive coverage you’ll be covered for damage from the following:
- Falling (missile) objects.
- Hitting or being hit by an animal including deer, cows, bears, moose and birds.
- Natural disasters.
Note that not all policies are the same. Before purchasing comprehensive coverage, make sure you know what your comprehensive policy will cover.
Glass Repair and Replacement
Have a crack on your windshield? Glass repair and replacement is typically covered through your comprehensive coverage.
Generally, most car insurance companies will waive your deductible for glass repair if your crack is smaller than a dollar coin. If the crack is larger, your windshield will need to be replaced and you will likely be required to pay your deductible.
Some insurance providers may cover glass repair and replacement differently. For example, a car insurance company may offer glass coverage completely separate from your comprehensive coverage. Contact your agent to learn more.
Car insurance companies typically sell collision and comprehensive coverages together. You may find these coverages packaged together as “physical damage coverage.”
When you’re shopping around, remember:
- Physical damage coverage refers to coverage that pays your own costs.
- Liability coverage refers to coverage that pays others’ costs.
Most companies will not allow you to buy collision coverage without buying comprehensive coverage; however, some may offer policies that have comprehensive and not collision coverage.
When shopping for collision and comprehensive coverages, consider whether you need these coverages and how high you want your deductibles to be.
Because comprehensive and collision are optional types of car insurance coverage, you should consider some factors before determining whether or not you need to purchase these coverages.
Your Car’s Value
The value of your car is an important consideration when determining whether you need collision and comprehensive coverage. If you car is:
- Older and/or low-value, it may not be worth purchasing these coverages, since they will only pay up to the estimated fair market value of your car.
- Newer and/or high-value, having these coverages can save you from paying out significant costs to repair or replace your car (if totaled)*.
* If your car is totaled, your collision and comprehensive insurance will only pay you the estimated fair market value of the vehicle. If you have a loan or lease, consider gap coverage, which will pay the difference between your how much you owe and the car’s cash value.
Your Driving Habits
You should also consider what you put your car through on a daily basis. For example, if you drive a lot of miles, or if you park your car in a location that is especially susceptible to theft or vandalism, you might want to have comprehensive coverage.
NOTE: While these coverages are not mandatory in any state, they are generally required as part of a car loan or lease agreement.
Choosing Your Deductibles
A deductible is the amount towards a claim that you are responsible for out of pocket before your insurance pays out. Collision and comprehensive insurance coverages require you to pay a deductible whenever you make a claim towards either coverage.
Insurance companies often offer different set options for how high your deductible is.
Choosing a higher deductible lowers your premium.
Keep in mind, however, that a high deductible means you are paying more out of pocket towards a claim. If you choose a high deductible in order to save money on your premium, make sure you have enough money saved to pay your deductible when you need your insurance.
Simply meeting your state’s car insurance requirements may not provide you with enough protection. When comparing car insurance quotes, consider carefully how much coverage you need and whether collision and comprehensive coverages are right for you.
In This SectionOther Topics in This Section
Insurance Resource Center
- Vehicle Coverages
- Medical Coverages
- Full Coverage Auto Insurance
- Rental Reimbursement Coverage
- SR 22 Insurance
- Emergency Road Service Coverage
- Umbrella Insurance
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
- PIP Insurance
- Gap Insurance
- Liability Insurance
- Other Car Insurance Coverages
- Bodily injury and Property Damage Liability Coverage
- Comprehensive and Collision Insurance
- Medical Payments Coverage
- Modified Car Insurance Coverage
- Shop For Insurance Online
Auto Insurance Center
- Auto Insurance Policy Basics
- Buying Car Insurance Basics
- Buying Car Insurance For Teens
- Teen Guide To Car Insurance
- How To Get Car Insurance Coverage With A Learners Permit
- First Time Drivers Guide To Car Insurance
- How To Save Money On Teen Car Insurance
- Common Driving Mistakes Teens Make
- Safe Driving Tips For Teenage Drivers
- Safe Cars For Teen Drivers
- How To Add Teens To Your Auto Insurance Policy
- Insuring My Teen Driver: FAQs
- Tips for Car Insurance Policy Holders
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Auto Insurance Coverages
- Extended Insurance Coverage Guide
- How To Get The Most Out Of Your Auto Insurance Coverage
- When To Buy Rental Car Insurance
- How To Cover Vandalism Through Car Insurance
- How To Cover Auto Theft Through Car Insurance
- How To Cover Windshield Repair Through Car Insurance
- How To Cover Accidents With Wildlife Through Car Insurance
- How To Cover Lost Wages Through Car Insurance
- How To Cover Medical Expenses Through Car Insurance
- How To Cover Pet Injuries Through Car Insurance
- How To Avoid Auto Insurance Non Renewal
- DUI Costs and Car Insurance
Commercial Auto Insurance
- Commercial Auto Insurance Requirements
- Commercial Auto Insurance State Requirements
- Federal Motor Carrier Insurance
- CDL Federal Requirements
- Commercial Insurance Filing
- State Commercial Insurance Filings
- Federal Truck Filings
- Intrastate Truck Filings
- Interstate Transportation Filings
- Certificate Of Insurance
- Uniform Carrier Registration Plan
- Types Of Commercial Auto Insurance
- Commercial Vehicle Insurance Discounts
- Multiple Policy Discount For Commercial Vehicles
- Paid In Full Commercial Vehicle Insurance Discount
- Commercial Business Experience Discount
- Commercial Auto Insurance Quotes
- Commercial Auto Insurance Articles
- Who Needs Commercial Auto Insurance
- Types Of Commercial Vehicles To Insure
- How To Save Money On Commercial Auto Insurance
- What You Need For A Commercial Insurance Quote
- Types Of Business Vehicle Insurance
- How To Compare Commercial Insurance Quotes
- How To Get The Most Out Of Your Commercial Auto Insurance Coverage
- Types Of Commercial Trailers To Insure
- Commercial Auto Insurance by State
- Motorcycle Insurance Minimum Requirements
- Types Of Motorcycle Coverage
- Accessory Coverage For Motorcycles
- Comprehensive Physical Damage Insurance For Motorcycles
- Collision Insurance For Motorcycles
- Bodily Injury Liability Insurance For Motorcycles
- Property Damage Liability Insurance For Motorcycles
- Medical Payments Insurance For Motorcycle Riders
- Personal Injury Protection Insurance For Motorcyclists
- Uninsured Motorist Coverage For Motorcyclists
- Underinsured Motorist Coverage For Motorcyclists
- Motorcycle Roadside Assistance
- Motorcycle Insurance Quotes
- Motorcycle Insurance Rates
- Motorcycle Insurance Discounts
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
- Motorcycle Insurance by State
Auto Insurance Policy Basics
- Auto Insurance Deductible
- Auto Insurance Limit
- Auto Insurance Premium
- Auto Insurance Quote
- Auto Insurance Rates
- Motor Vehicle Report
- Proof Of Financial Responsibility
- Auto Insurance Endorsement
- Auto Insurance Exclusion
- Auto Insurance Rating
- Auto Insurance Code
- Auto Insurance Discounts
- How To Obtain Proof Of Insurance
- How To Change Auto Insurance Providers
- Factors That Affect Insurance Rates
- How To Cancel An Auto Insurance Policy
- Six Common Car Insurance Myths
- Penalties For Driving Without Insurance
- No-Fault Insurance and Fault Insurance
- Car Insurance Quotes vs. Calculators
- Car Insurance FAQs
- Car Insurance Statute of Limitations
- Why Car Insurance Rates Go Up After Accidents
- When An Accident Happens
- Accident Loss
- Auto Accident Payment Recovery
- Total Loss
- Proof of Loss
- Actual Cash Value
- Lost Wages
- Salvage Vehicles
- How To File An Accident Report With The Police
- Evaluating Personal Injury In Auto Accidents
- First Steps Following A Personal Injury Auto Accident
- When To Seek Medical Attention For Personal Injury
- Protection Against Auto Insurance Fraud
- How To Handle Staged Car Accidents
- Types of Insurance Claims
- Bodily Injury Claims
- Property Damage Claims
- Windshield Claims
- Third Party Insurance Claims
- About Car Insurance Claims
- How Car Insurance Claims Affect Your Auto Insurance Policy
- When To Cover Personal Injury With Auto Insurance
- How Much Personal Injury Protection To Buy
- Supplementing Health Insurance With Personal Injury Protection
- Pain And Suffering In Personal Injury Claims
- Statute Of Limitations And Personal Injury
- Negligence And Determining Legal Liability
- Auto Insurance Claim Settlements
- Auto Insurance Settlements Involving Personal Injury
- Proving Fault In An Auto Accident Personal Injury Case
- Compensation For Auto Accident Personal Injury Claims
- Tips For Settling A Motor Vehicle Accident Claim
- Factors That Affect Compensation In Personal Injury Claims
- Legal Representation For Insurance Claims
- When To Hire A Personal Injury Attorney
- When To Hire A Lawyer
- Personal Injury Attorney Fees
- How To Choose Personal Injury Lawyers
- Benefits of Hiring A Personal Injury Attorney
- What To Submit To A Personal Injury Attorney
- Processing Car Insurance Claims
- How Car Insurance Companies Handle Claims
- How Car Insurance Companies Investigate Accident Claims
- How To Document Auto Accident Damage
- When To Report An Auto Accident To The DMV
- Tips On Documenting Personal Injury Expenses
- Paying Medical Bills Before Receiving Personal Injury Compensation
- Wage Loss In Personal Injury Auto Accident Cases
- How To File A Loss Of Wages Auto Claim
- Stages Of A Personal Injury Case
- Filing Car Insurance Claims
- Damaging Your Own Property and Car Insurance Coverage
- Fraud and Theft
- Old Cars: Popular Targets of Theft
- Car Insurance Fraud 101
- Car Theft Prevention
- Most Stolen Cars and Other Vehicles
- Cities With the Highest Car Theft Rates