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What is Comprehensive Insurance vs. Collision?

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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!

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