Ask a Question

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.
  • This field is for validation purposes and should be left unchanged.

Leave Us A Message

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.
  • This field is for validation purposes and should be left unchanged.

What is Comprehensive Insurance vs. Collision?

Woman Signing Sheet

When you’re looking to make the upgrade to a brand new Mercedes-Benz, you may be asking yourself, “What is comprehensive insurance vs. collision?” Comprehensive insurance covers any damage done to your vehicle that is not caused by an accident, such as natural disasters, vandalism, and theft. Meanwhile, when your vehicle is damaged during an accident, collision insurance covers the damage. Find more key differences between comprehensive vs. collision insurance below.



Auto Insurance: Comprehensive vs. Collision

While we go over the key differences between comprehensive and collision insurance in-depth, it’s worth noting that both of these insurance are optional. These forms of coverage aren’t the same as the legally required liability insurance, which is mandated coverage in most every state. With that being said, let’s find out what exactly comprehensive insurance and collision insurance cover:

Comprehensive Insurance

  • What’s covered:
    • An animal collides with your car
    • A natural disaster destroys your car
    • Your car is stolen or vandalized
    • A tree falls on your car

Collision Insurance

  • What’s covered:
    • Damage caused to your vehicle by colliding with another vehicle
    • Damage caused by poor road conditions, i.e., large potholes
    • Damage caused by colliding with a stationary object, such as a tree or fence
    • Damage caused by a rollover

Choosing Your Coverage

Many Plainview drivers like to combine both comprehensive and collision for more well-rounded vehicle protection, especially when driving newer vehicles. Still, depending on your needs and budget, bundling both may not be an option or in your best interest. Consider the following factors to help decide on what coverage meets your needs:

  • Does Your Car Hold a High Value? If your vehicle doesn’t have a high value, it may not be worth the cost.
  • What Is Your Current Financial Situation? In the event of an accident or unexpected event, would you be able to make any necessary repairs or replace your vehicle?
  • What Are Your Driving Habits? Do you spend a lot of time on the roads? If so, this could put you at a higher risk of accident.
  • What Are Driving Conditions Like Where You Live? Are the roads you frequent filled with potholes? Are falling trees or collisions with animals common where you live?

If these questions show you’re at higher risk of an accident, comprehensive insurance and collision insurance might be worth the extra cost each month.

Discuss Insurance Options With Rallye Motors

Have lingering questions about whether comprehensive insurance, collision insurance, or both would be a smart financial decision? The experts at Rallye Motors finance center are here to help with all of your car buying questions, from getting the right insurance coverage to explaining the difference between new vs. certified pre-owned. Feel free to reach out with your questions today!

More from Rallye Motors

  • 2021 Mercedes-Benz GLE Configurations

    If you’re looking for a mid-size luxury SUV with a beautifully crafted cabin and the latest technology features, you can be sure that the new Mercedes-Benz GLE will deliver. There are eight 2021 Mercedes-Benz GLE configurations to choose from, and all of them are sure to turn heads in Long Island. Explore the GLE lineup below,…

  • 2021 Mercedes-Benz C-Class Interior

      Stepping into the 2021 Mercedes-Benz C-Class interior, you’ll immediately notice the superior quality of its features and amenities. With grade-A materials, next-generation technology features, and dimensions that will please most passengers, the new C-Class easily exceeds the standard set by most rivals, including other luxury cars!  In what follows, we’ll cover everything you need…

  • 2020 Mercedes-Benz GLS Dimensions

    View InventoryLearn More Whether you want a family-friendly SUV for Long Island or a cutting-edge luxury vehicle for Plainview, the new Mercedes-Benz GLS SUV is versatile enough to impress any driver. This three-row SUV contains enough space for up to seven passengers, along with up to 84.7 cubic feet of cargo room to utilize. Explore the…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

516-473-0794

Call Now

1600 Northern Blvd • Roslyn, NY 11576

Get Directions

Today's Hours:

Open Today! Sales: 9am-6pm

Service: Closed

Parts: Closed

Rallye Motors 40.803923, -73.641637.