Difference Between Comprehensive and Collision Auto Insurance

A common fact is that most of us don’t think about insurance until we need it. Then it’s a race to find the right car policy and coverage as quickly as possible. But auto insurance can be confusing, especially if you’re not entirely sure what the difference is between the types of car insurance coverage. The search for the best auto insurance can bring up questions like what’s the difference between comprehensive and collision coverage? How do I know what auto insurance coverage I need? Where can I find affordable car insurance? Don’t worry, Nowell Agency is here to help! Our experienced auto insurance agents in Mississippi provide a breakdown of each type of coverage, so you can decide which one is best for you.

Do I Need Comprehensive and Collision Car Insurance in MS?

If you’re like most people, you probably don’t know the difference between comprehensive and collision auto coverage. And that’s okay – it’s not exactly common knowledge. But understanding the difference is important, because the type of coverage you have can affect your car insurance rates in Mississippi. So what’s the difference?

What is Collision Insurance?

When comparing comprehensive vs collision insurance, it’s important to know what scenarios each insurance covers. What does collision insurance cover? Typically it is designed to cover damage to your car from an accident with another car (or object). Collision coverage in MS pays for damage to your car if you hit another object, like another car, a tree, or a stop sign.

How much does collision insurance cost? Collision insurance is usually the most expensive part of an automobile insurance policy. Premiums are based on your deductible, driving record, and necessity of the coverage. If you want to reduce auto insurance premium costs, you can choose a higher deductible but you will pay more out-of-pocket if you are in an accident. Another way to keep collision coverage costs low is by having a clean driving record (no or few tickets or accidents). This means you’re less likely to have a collision, so the best auto insurance companies in MS will be willing to give you a lower premium. If you fully own your vehicle, or drive one that is extremely old and has little replacement value, then the premium may be higher.

Comprehensive Auto Insurance Near Me

Comprehensive coverage pays for damage to your vehicle that is caused by an unknown party such as theft or vandalism, as well as natural disasters like fire, floods, falling trees, hail, or hitting an animal on the road. Does comprehensive coverage include collision? No, comprehensive car insurance covers damage done to your car that is not related to a collision, which is why you may want to add comprehensive and collision coverage to ensure you’re covered for all scenarios!

Best Car Insurance in Mississippi

Understanding your car coverage options gives you the power to make wise decisions when it comes to your automobile insurance policy in MS. Contact Nowell Agency at 601.203.0456 to learn more about collision and comprehensive coverage, and how we can insure you to protect against losses.

Don’t live in Mississippi? Don’t worry, we’ve still got you covered! Nowell Agency proudly provides reliable and affordable car insurance from Texas to Mississippi, and beyond. Check out our auto insurance rates and bundle insurance with us for the best deals!