• Skip to primary navigation
  • Skip to main content
  • Skip to footer

813-425-1626

info@ThinkSafeInsurance.com

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
  • YouTube
Florida Auto Homeowners Commercial Business Insurance - Think Safe Insurance

Think Safe Insurance

When You Think Insurance - Think Safe!

  • Request a Quote
  • Our Services
    • Auto Insurance
    • Homeowner’s
      • Homeowner’s Insurance (HO-3)
      • Condo Insurance (HO-6)
      • Landlord Insurance
      • Renters / Tenants Insurance
    • Umbrella Insurance
    • Business Insurance
  • Refer A Friend
  • Resources
    • Blog
    • Info by Policy Type
    • About Us

What is the Difference Between Comprehensive and Collision Coverage? Do I Need Them Both?

You are here: Home / Auto / What is the Difference Between Comprehensive and Collision Coverage? Do I Need Them Both?

A lot of people think they either have liability or full coverage. Did you know that there are actually different coverages that each cover different things? Maybe you already knew there were comprehensive and collision, but aren’t sure the difference. We are going to take a look at that here.

How are Comprehensive and Collision Similar?

Before we get into the differences, let’s look at the similarities for comprehensive and collision.

  • Cover your own vehicle
  • Cover up to what your vehicle is worth (Actual Cash Value) minus your deductible.

Differences

The main difference in these coverages is what causes the damage.

Comprehensive

Comprehensive is also known as “Other than Collision”. So it will cover things that are covered that aren’t collision. Things like theft, fire, vandalism, storm damage, glass damage, etc usually fall under comprehensive. One coverage that sounds like it would be collision but is actually comprehensive is if you hit a live animal, like a deer.

Collision

Collision is when you run into something or “upset” of a vehicle. Normally people think of accidents here, and that is the main cause of damage. But also, if you hit a tree, guardrail, pothole, curb, etc. These are also usually under collision. Upset of vehicle is if the vehicle overturns, it is usually collision, even if you didn’t necessarily hit anything.

What are Some Things to Consider with These Coverages?

  • Which do you need? You can have comprehensive without collision. However, if you want collision, you need to carry both. You can’t have collision by itself.
  • What deductible? Each coverage has its own deductible. You can have them the same, but you can also choose different deductibles. Comprehensive is usually much less expensive, and it is mostly things that are outside of your control. In a lot of cases, we’d recommend lower deductibles for comprehensive than collision, but it always depends on the cost/savings for each deductible.

Related: Do I Need Full Coverage? When Should I Remove Comprehensive and Collision?

Conclusion

We know that this is a lot of info. If you still have questions, that’s perfectly fine. Our team of experts at Think Safe Insurance would be happy to answer any questions, discuss your coverage options, and make sure that you are getting the best insurance value. Feel free to give us a call today! 813-425-1626.

Category iconAuto,  Coverages Tag iconauto,  collision,  comprehensive,  coverage,  full coverage,  insurance

Subscribe to our newsletter

Get the latest posts delivered right to your inbox

Ready to start your insurance review?

Contact us today, or you can start a quote online.

Contact Us

Footer

auto home and commercial insurance florida

Think Safe Insurance

116 E Bloomingdale Ave Ste B
Brandon, FL 33511
(Inside EZ Choice Realty)

P: 813-425-1626

E: info@ThinkSafeInsurance.com

Sitemap

  • Our Services
  • FAQ
  • Resources
  • Free Insurance Review
  • Request a Quote

Newsletter

Get the latest news, events and announcements straight to your inbox.

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
  • YouTube

Copyright © 2021 Think Safe Insurance. All rights reserved. Privacy Policy Return to top