Compare / Collision vs Comprehensive Auto Coverage
Collision vs Comprehensive Auto Coverage
Both cover damage to your own car but for different causes.
| Feature | Collision | Comprehensive |
|---|---|---|
| Pays for | Crash damage (any fault) | Theft, hail, fire, animal strikes |
| Required by lender | Yes (if financed) | Yes (if financed) |
| Typical deductible | $500–$1,000 | $250–$1,000 |
| Worth dropping when | Premium > 10% of car value | Premium > 10% of car value |
Best for Collision
Drivers who fear at-fault collision costs.
Best for Comprehensive
Drivers in areas with theft, weather, or wildlife risk.