If you’ve recently made the decision to invest in a new luxury vehicle, your next step is to update your car insurance policy. Oftentimes, drivers find themselves asking “What is comprehensive insurance vs. collision?” Collision insurance covers any physical damage done to your vehicle as the result of an accident. Comprehensive insurance, on the other hand, covers any damage done to your vehicle that is not caused by an accident, i.e. natural disasters, vandalism, theft, etc. The Rusnak Auto Group team explains comprehensive vs collision in more detail below.
As we highlight the main differences between comprehensive and collision insurance, it’s critical to note that both of these options are just that: options. Liability insurance, on the other hand, is legally required for California drivers. That being said, let’s dig into what’s covered by comprehensive and collision insurance:
Comprehensive Insurance Covers:
Collision Insurance Covers:
Many drivers like to include comprehensive and collision insurance along with their liability insurance. Everyone has different financial flexibility, however, and bundling comprehensive and collision insurance may not be an option. Consider the following factors to help make your decision:
If one or more of these factors are applicable to your situation, comprehensive insurance and collision insurance could be worth the extra cost each month.
Just not sure how much auto insurance comprehensive vs collision you need for your particular situation? The financial experts at any of our Rusnak Auto Group locations are ready to answer your questions. Still shopping for the perfect hybrid or electric vehicle? Our team can help you review the lease specials we have available, as well. Shop online or stop by a Pasadena showroom to get more information on our luxury electric models and more.
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