What Is Comprehensive Insurance vs. Collision?

After upgrading your Cincinnati, OH commute with a brand new Chevrolet, you may be asking yourself, “What is comprehensive insurance vs. collision?” Put simply, collision insurance covers the damage your vehicle incurs during an accident, and comprehensive insurance covers any damage done to your vehicle that is not caused by an accident (natural disasters, vandalism, theft, etc.) Explore more details on the key differences between comprehensive vs. collision insurance with Tom Gill Chevrolet, below.

Auto Insurance: Comprehensive vs. Collision

As we explore the key differences between comprehensive and collision insurance in-depth, it’s important to note that both of these options are just that: options. But they’re not the same as liability insurance, which is legally required for drivers in nearly every U.S. state, including Kentucky. With that said, let’s explore some examples of what is covered by comprehensive and collision insurance:

  • Comprehensive Insurance
    • Covered:
      • An animal collides with your car
      • A tree falls on your car
      • A natural disaster destroys your car
      • Your car is stolen or vandalized
  • Collision Insurance
    • Covered
      • Damage caused to your vehicle by colliding with another vehicle
      • Damage caused by a rollover
      • Damage caused by poor road conditions, i.e., large potholes
      • Damage caused by colliding with a stationary object, such as a tree or fence
Collision

Which Option Is Right for You?

For ultimate peace of mind on Covington roads, many drivers like to combine comprehensive and collision insurance in addition to their liability insurance. However, because each driver has a unique budget, bundling comprehensive and collision insurance may not be an option. Consider the following factors to help make your decision:

  • What Is Your Current Financial Situation? If you had to pay to repair or replace your vehicle out of pocket right now, would you be able to?
  • What Are Your Driving Habits? Do you have a long commute from Independence every day? This may put you at a higher risk of an accident.
  • What Are Driving Conditions Like Where You Live? Are the roads you frequent riddled with potholes? Are collisions with animals or falling trees a common issue in your area?
  • Does Your Car Hold a High Value? Think about the condition of your car. Does it still hold a lot of its original value?

If one or all of these factors are true for you, comprehensive insurance and collision insurance might be worth the extra cost each month.

Family

Learn More About Your Options at Tom Gill Chevrolet

Have lingering questions about whether comprehensive insurance, collision insurance, or both would be a smart financial decision? Get in touch with our finance experts for help working out the numbers. If you’re in the market for a new Chevy sports car or a new Chevrolet Silverado, we can also help you explore your financing options! Estimate your payments or stop by our Florence showroom to get started today.

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