There are many options for choosing an insurance plan for your vehicle. When comparing plans, it’s important to know the difference between them to make an informed decision. Considerations such as your vehicle’s age, model, value, and more should help you decide which plan will best meet your needs.
Understanding Collision Insurance
Collision insurance covers damage repairs if your vehicle collides with another car, an object (like a fence or tree) or encounters a road hazard like a guardrail. This is a bare-bones insurance plan that may work if you’re driving an older vehicle at the end of your life. While it can be tempting to go with collision insurance, you might regret not choosing a more involved plan later.
Coverage Under Comprehensive Insurance
Comprehensive insurance covers damage from non-collision events, like fires, vandalism, falling objects, natural disasters, and more. It provides an extra layer of protection to collision insurance and accounts for more things that could go wrong with your vehicle. Since we can’t control the weather, robberies, fires, and things of that nature, it makes sense to protect yourself against them.
Collision and Comprehensive Insurance Bundles
These two types of insurance are often bundled together, giving you two layers of protection for your vehicle’s well-being. Sometimes they might not be enough coverage, though, as they don’t cover damage done to another car. Therefore, you need an agent who can explain these plans in depth.
Looking for Auto Insurance in Sioux Falls, SD?
At Wilcoxon Insurance Inc., we know how confusing navigating the world of vehicle insurance can be. Our agents guide you through your options and tailor a plan that fits your needs.
Learn more about collision vs. comprehensive insurance by calling Wilcoxon Insurance Inc. in Sioux Falls, SD.