Collision insurance covers damages to your vehicle if you hit another car or object like a tree or mailbox. Damages to another vehicle, bodily injuries, and damages to your car from something other than a collision are not covered. Collision insurance coverage isn’t usually mandatory and is only about $13 a month. Now that you know what is collision insurance, shop around for the cheapest rates.
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UPDATED: Mar 3, 2021
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- Collision insurance coverage pays for damages to your vehicle when you hit an object or another vehicle
- Collision insurance average $13 a month, but rates will vary by state and driver
- Collision insurance doesn’t cover theft, vandalism, or acts of nature
Collision insurance pays for damages to your vehicle if you cause an accident. It’s not required in most states, but if you don’t have it, you will have to pay out of pocket for damages to your car.
To find affordable collision car insurance coverage, shop around and compare quotes from the best insurance companies. Rates vary by company so look at multiple quotes to find the cheapest coverage.
Enter your ZIP code now to compare collision car insurance rates today.
What is collision insurance?
Collision is just like it sounds. It pays for repairing or replacing your car from a collision that you cause.
What does collision insurance cover? Here are some of the damages that would be covered under your collision coverage:
- Damages to your car if you hit another vehicle or object such as a fence, tree, mailbox, or guardrail
- A single-car rollover accident
- Road damage, such as hitting a pothole
Collision insurance won’t cover:
- Damage to another vehicle or object that you hit
- Bodily injury damages to you, your passengers, or others
- Damages to your car from something other than a collision, like theft, vandalism, or acts of nature
Your liability coverage will pay for any property damage and bodily injuries if you cause an accident, and comprehensive coverage pays for damages that aren’t from a collision.
For example, if you swerve to miss a deer and hit a tree, your collision coverage pays for damages. However, if a tree limb falls on your car, comprehensive coverage would pay for damages.
When it comes to collision vs. comprehensive coverage, you need to have both for your vehicle to be fully covered.
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Do you need collision insurance coverage?
Most states require drivers at least a minimum amount of liability coverage but don’t require drivers to carry collision insurance. However, if you are financing a car, the lender can require you to carry collision and comprehensive coverages.
So, why should you buy collision coverage? The answer really has to do with the value of your car.
For example, if your car is only worth a few thousand dollars and you could afford to replace it yourself, you probably don’t need to buy collision car insurance.
However, if your car is newer, the cost to repair it or replace it can be very expensive. Paying about $13 a month for collision insurance makes sense.
Determine how much your car is worth to figure out if you can afford to repair or replace it out of pocket. You can use a site like Kelley Blue Book to learn what your vehicle is worth.
If you choose to carry collision auto insurance, make sure to set your limits and deductible. You want your limit high enough that damages to your car will be covered, and you want your deductible as high as you are comfortable with to keep your rates low.
Most car insurance companies offer collision insurance, so it’s easy to find. Each company will charge a different rate, though, so shop around to find the best deal on your collision insurance rates.
Enter your ZIP code now to compare collision car insurance quotes near you.