Comprehensive and Collision Insurances

If there is something important to discuss about cars, it usually has something to do with insurance. Although some of us may consider it unnecessary, insurance is something you should never forget about. Comprehensive and collision insurances are two of the types of insurance that both offer room for savings during unfortunate car incidents.

Although one of them is not really required, drivers usually purchase both types of insurance to protect their vehicles from a wider range of situations. Comprehensive auto insurance is suggested to all drivers for situations which are not covered by collision insurance. If your car is old and potentially has a low resale value, you can probably get by without comprehensive insurance. Needless to say, any car owner cannot possibly drive a car without any insurance at all.


Getting a comprehensive insurance policy is more strictly enforced in many states compared with collision insurance. When procuring a car loan, it would be wise to consider collision and comprehensive auto insurance packages. In the unfortunate event that the car is damaged, the insurance policies should cover the repair fees. These insurance policies help protect the lending institution from fraud or abuse. Lenders require borrowers to have these insurance policies for their loan to get approved.

Of all the types of comprehensive insurance, comprehensive auto insurance offered by Dodge Edmonton dealerships is the most common. It can cover everything except collision damages. Collision insurance, on the other hand, is intended to cover multiple collisions and collision with uninsured motorists. Such insurance also includes services such as towing, storage, and salvage if the car has been badly damaged from the accident.

The standard amount of deductibles in comprehensive and collision insurance packages offered by Dodge Edmonton dealerships is $500. The insured party always requests to increase or decrease the deductibles in a case to case basis. Take note that the higher the deductible is, the lower the comprehensive insurance premium will be required.

When applying for comprehensive and collision insurance, you have to provide several pieces of information such as driver’s age, yearly mileage, area in which the car is driven, and initial value of the car. Always check the insurance policy’s fine print before signing it. You can always visit any Dodge Edmonton dealership to discuss which of the two insurance is best for your car.

Collision Car Insurances vs. Comprehensive Car Insurances Which is which

Car insurances vary according to the policies they provide. In California, some people would often have minimal insurance companies for the sake of following the law. Nevertheless, there are some who opt for additional liability help through collision car insurances and comprehensive car insurances.

Because these types of insurances are not really mandatory, it is the car owner’s prerogative on whether to acquire such insurance or not. Frequently, car owners with old cars do not opt for comprehensive or collision insurances because of the cost it requires. Nevertheless, for new cars under car financing loans, it is a requirement to have the car insured under comprehensive or collision damages.


Many people are often confused about the differences between the two insurance policies. Car owners who plan to buy such insurances need to keep these differences in mind. Collision car insurances only cover damages brought about by car accidents, specifically hitting or being hit by another car. Many cars often encounter car bumps and dents caused by reckless drivers. The high possibilities of car hitting are the primary advantages of acquiring collision insurances.

Comprehensive car insurances, on the other hand, offer car owners a vast coverage of auto insurance. Palm Springs car owners believe that if you value your car more, you surely need to have a comprehensive coverage. Comprehensive car insurances cover a wide range of damages that may occur in your car. This may be caused by vandalism, fire, flood, animals or even the ill-willed acts of theft.

Some people find these car insurances unnecessary. However, these insurances give you better ways to cope up with possible damages. Most of the time, people would be confused with what insurance policy suits them. If you’re one of them, you might want to consider the car’s damage possibilities, your driving habits and the cost of such auto insurance. Palm Springs insurance companies recommend collision coverage for practical car owners while a combination of the two insurances, often called -full coverage’, is recommended for owners with expensive cars.

Getting comprehensive or collision insurances for your car is not really a necessity. But if you believe that there’s a possibility for damages to occur, you certainly need to acquire such policies of auto insurance. Palm Spring car owners believe that they have found a better way to lessen the liabilities through such insurances.