When shopping for car insurance, people can be left wondering what the difference is between collision coverage and comprehensive car insurance. There are a number of things that separate the two from each other, including what they cover and how they can impact your general policy. Contact Neighbors Insurance Agency in Florida to learn more and to get quotes for cheap auto insurance.
Collision coverage is the type of insurance that covers you should you get into an accident. Its coverage extends even to accidents that you caused which means that it can be utilized at any point you get into a collision. The collision coverage is especially helpful when the other driver is at fault and they are uninsured. In Florida, there is quite a number of uninsured drivers. If you get into an accident with an uninsured driver and you do not have collision coverage, you may find that you do not have the financial assistance to help you cover damages to your car. Even if the other driver did have insurance, the coverage minimum in Florida is very low and may not be enough to cover the damages done to your vehicle.
If you are the type of person who drives often, this type of coverage can be especially necessary. While no one ever wants to go through the tragedy and frustration that is a car accident, being prepared ensures that you will not have to pay thousands of dollars in damages should your car get into an accident.
Comprehensive car insurance is for all the things other than a collision. That is, anything from vandalism to theft to fire is covered under comprehensive. People typically utilize comprehensive in the event of a theft which is why it is recommended for high crime areas. This is especially the case for those who purchase a particularly expensive vehicle. Expensive cars can attract attention and they are more prone to theft and vandalism. Without comprehensive car insurance, you may lose your investment and have no way to recuperate it.
The cost of collision changes depending on the car and how much you want to have covered. However, there is one thing to keep in mind: comprehensive car insurance does not cover damage as a result of a collision. This means that the two insurances do not compete with one another. Rather, they work in conjunction with another to provide complete coverage for your car.
Thankfully, you do not have to spend a large amount of money to get the coverage that you need. Neighbors Insurance Agency in Florida offers cheap auto insurance that will cover all your needs.
If you would like to get quotes for both collision and comprehensive car insurance, contact Neighbors Insurance Agency. They are a business based out of Florida that offers cheap auto insurance with quality service that Floridians trust. Call them or visit their website to learn more about their insurance policies.