Which One Is Right For Me?

Collision and Comprehensive Insurance are two types of coverage that you can add to your auto insurance policy. While these two separate types of coverage can be easy to confuse, they each cover different types of claims. If you cannot afford to replace or buy a car, “comp” and “collision” should be added to your policy.

Call For FREE Help (702) 898-0554

RePost - Auto Insurance - Comprehensive vs. Collision: What's the Difference?

What is Collision Insurance?

Collision insurance covers your costs of repair, up to your policy limit, if your car hits another car or an object like a fence or mailbox.  It “collides”.  It also provides you with coverage if you are hit by an uninsured motorist or if someone runs into your vehicle and drives away without providing their information.

If you file a collision insurance claim, you will only have to pay your deductible for the repair. If your car is totaled, meaning that the cost of repairing your car is more than the car is worth, you will be paid the value of your car, minus your deductible.

What is Comprehensive Insurance?

While collision coverage is used only for collisions, comprehensive coverage is used for several different types of damage.  Severe weather damage, if your auto is stolen or vandalized, if an animal runs into you, etc.  These damages can result in costly repairs.  If you have comprehensive insurance, you will only have to pay your deductible to have your vehicle returned to the condition it was in before the damage.

Get a Fast & Free Online Quote
Farmers Insurance ad - Auto Insurance Agency in North Las Vegas, Nevada

Do I Need Both Types of Insurance Coverage?

If you are making payments on your vehicle, your bank lender or lease holder may require you to have ‘full coverage” including both comprehensive and collision coverage.  This is because they have a financial investment in the value of your vehicle, and they have a vested interest in making sure that it is in good condition and kept in nice looking condition.

Maybe you own your vehicle outright; do you still need comprehensive and collision coverage?  To decide how much coverage you need, think about your unique situation.  Do you drive every day, or does your car spend most of the time parked in your garage?  Do you have an older vehicle, or is your vehicle only a couple of years old?  If you got in an accident tomorrow, or someone hit and ran, could you pay out of your own pocket the cost of repairing or replacing your car?

When it comes to deciding how much coverage you need, there isn’t a one-size-fits-all solution.  Think about your needs and habits and decide what is best for you.  Many times, auto owners that have older cars that aren’t really deemed “collectibles” will not add collision or comprehensive coverage to their policy.  They figure the extra cost in their policy, plus paying the deductible if the car were to be involved in an accident wouldn’t be worth these extra costs each month if an accident occurred.

How to Build the Best Auto Insurance Policy

Building the auto insurance policy that is right for you can be difficult.  With so many different options available, you may worry that you don’t have the right amount of coverage.  Carrying too much coverage on an older car may end up costing you more in the long run, while having too little coverage can leave you with thousands of dollars in repairs in the event of an accident and law suit.  Call us to help you review your options and build the policy that will fit your needs and budget.

Related Articles:

Automobile Insurance Comprehensive Coverage

Automobile Collision Insurance in Las Vegas, Nevada

Uninsured / Underinsured Auto Insurance: Avoiding Disaster

How to Determine How Much Auto Insurance Coverage You Need

Read More: Auto Insurance in Las Vegas, Nevada

Call us for assistance

(702) 898-0554

Serving Las Vegas, Henderson, North Las Vegas and the entire state of Nevada

Three  Ways to Enroll

1).  Apply by Phone

(702) 898-0554

2).  Apply in Person

4260 W. Craig Road #150-A
North Las Vegas, NV 89032

3).  Online Quote

Path Image - Insurance is confusing

Search This Website

Enter a search term here

Generic filters
Exact matches only
Search in title
Search in content

Why Go Anywhere Else?

When you can have an experienced and caring professional guide you.

Insurance Quotes | Plans | Coverage
Nevada Insurance Enrollment small logo - Insurance Agency in Las Vegas, Nevada
Read why it’s smart to use an insurance agent

DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

Nevada Insurance Quotes

Serving Las Vegas, Henderson, North Las Vegas and the entire State of Nevada

Auto | Homeowners | Health | Life | Medicare | Funeral / Cremation | Group Health | Short Term | Dental & Vision | Travel Insurance

Authorized Agent for: Nevada Health Link, Anthem Blue Cross & Blue Shield, Sierra Health & Life, Health Plan of Nevada, Aetna, Prominence, Hometown Health, Ambetter/Silver Summit

Farmers Insurance – Shelly Rogers Agency in Las Vegas, Nevada