As you shop for auto insurance in San Diego, CA, you’ll come across comprehensive and collision coverage terms. While they may sound similar, it’s crucial to understand their differences to determine the best policy fit for your needs. At Rancho Del Sur Insurance Services Inc., we aim to clarify these terms and guide you through the process.
Comprehensive Coverage
Comprehensive insurance deals with vehicle damages stemming from non-collision incidents. These can include theft, fire, damages from falling trees, animals, or weather-related events like hail. Given the lower-risk nature of the covered incidents, comprehensive coverage typically costs less than collision coverage. The value of your car and your chosen deductible influence your coverage limits.
Collision Coverage
Collision coverage, on the other hand, manages damages to your vehicle resulting from crashes. Collision coverage offers protection, whether it’s another vehicle, a building, a light pole, a tree, or even a pothole. It even encompasses damages from vehicle rollovers.
Optional Coverage
It’s important to note that California doesn’t require drivers to purchase collision or comprehensive insurance unless the vehicle is being financed. However, to fully protect your investment, including both provisions in your policy is highly recommended. Your deductible for both provisions typically ranges from $500 to $1,000 and must be paid upfront before the insurer begins to cover damage. Although neither provision outweighs the other in importance, both offer vital protections in different situations.
If full coverage auto insurance is your goal, Rancho Del Sur Insurance Services Inc. can help you find a suitable policy tailored to your budget. Serving San Diego, CA residents, we’re ready to help you explore your options. Contact us today to learn more.
