Collision Car Insurance

Collision insurance offers coverage for your car in the event of a collision with another driver or object. Collision insurance rates are based on the value of the vehicle in question. This means that more expensive cars will have higher car insurance rates. To lower your collision insurance rates, ask for a higher deductible or bundle your collision and comprehensive coverage.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Collision insurance covers your car in the event of damage due to a crash with another vehicle or object
  • The value of your vehicle will determine your collision car insurance rates
  • For the most affordable rates, you can bundle coverage with comprehensive insurance

Collision insurance is a must for many drivers, but not for all. Keep reading to learn more about what collision car insurance covers, who needs it, and when to drop collision insurance.

Do you want to find affordable collision insurance? Enter your ZIP code above and we will get you free collision car insurance quotes from providers near you.

How does collision insurance work?

Collision coverage is a basic type of car insurance that covers damage sustained by your vehicle in the event of a collision with an object or another vehicle.

Collision coverage is often confused or conflated with comprehensive insurance. However, coverage offered through comprehensive vs. collision insurance is very different.

Comprehensive insurance covers events where your car is damaged by outside forces like storms or animals. Think of it this way; if you run into a dumpster, that’s covered by collision coverage. Likewise, if there is a storm and a dumpster runs into your car, that’s comprehensive insurance.

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Should I get collision insurance?

Collision insurance is an excellent way to keep your car protected in the event of an accident. In addition, if your car is ever totaled, collision insurance can help replace it quickly.

However, collision auto insurance rates are decided by the value of the car that you are insuring, and the cost of collision repairs can get expensive. The newer or more expensive your car is, the higher your auto insurance rates will be. To save money, you can choose to drop collision insurance if you are driving an older vehicle that would cost more than it’s worth to repair.

To get cheaper collision car insurance rates, many insurance companies will offer an option to bundle your collision and comprehensive coverage.

Other collision insurance companies may allow you to raise your deductible to help lower monthly rates. With so many different ways to save on auto insurance, it’s important to compare insurance quotes before settling on a provider for your collision insurance.

Either way, if you want to ensure your car is protected, collision insurance is a must. Before you buy collision insurance, enter your ZIP code below to get free collision insurance quotes from local providers in your area.

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