If you’re not sure what the difference is between comprehensive and collision car insurance, don’t feel bad. Many people get these two types of coverage confused. While nearly every state requires liability insurance, comprehensive and collision are optional. The vast majority of drivers include this coverage, particularly for newer vehicles.
Our team at Heimgartner Insurance Inc, serving customers in Sioux City, IA, has put together this quick guide to help you better understand your auto insurance options.
What’s Collision Insurance, Anyway?
Collision coverage pays for damage that occurs when you run into various objects, such as guard rails, mailboxes, and telephone poles. This insurance reimburses you for repairs caused by covered events. It may also include coverage on damages due to potholes and flipping your vehicle.
Tell Me About Comprehensive Coverage
If you want protection for non-collision events, add comprehensive coverage to your policy. Our agents can help you choose a policy that reimburses you in case you hit a deer, your car catches fire, or your vehicle becomes mired in a riot or protest. Your insurance company may also pay for damages to your car in the event of a broken windshield or airbag theft.
It’s important to get advice from licensed insurance agents who have your best interests at heart. Do you still have questions? Let us help you review your current policy for gaps that we can address.
Get Car Insurance That Makes Sense for You
Keep in mind that your lender may require both types of insurance as a condition of the loan. Feel free to make an appointment at our office to discuss affordable comprehensive and collision coverage for your vehicles. Contact Heimgartner Insurance Inc to make an appointment for a free quote on car insurance in Sioux City, IA.