Drive Confidently with Collision Insurance

Collision car insurance is a type of coverage that helps pay for damage to your own vehicle after an accident - whether it's a collision with another car, a wall, a pole, or even a pothole. Unlike liability insurance, which covers damages to others, collision coverage protects your personal vehicle, regardless of who caused the crash.

It’s especially valuable if any of the following apply to you:

• You drive a newer or high-value vehicle: Repairs can be costly—collision coverage helps you avoid paying out of pocket.
• Your car is financed or leased: Lenders often require it to protect their investment.
• You want added protection beyond basic liability coverage: Collision insurance covers your own car for greater peace of mind.

Benefits of Having Collision Insurance

Collision insurance offers more than just repair coverage—it provides drivers with meaningful financial security and confidence every time they hit the road. Whether you're involved in a major accident or a minor scrape, this type of coverage can prevent unexpected repair costs from derailing your budget.

How to Pick the Right Collision Policy

Choosing the right collision car insurance policy involves more than just comparing prices. It's about understanding the details of your coverage, evaluating your financial comfort level, and ensuring you're working with a reliable insurance provider. Below are the key factors to consider when selecting a collision policy:

Deductible amount:

The deductible is the amount you agree to pay out of pocket before your insurance kicks in. Choosing a higher deductible can significantly lower your monthly premium, but it also means you'll pay more upfront if you need to file a claim. If you're confident in your driving or want to keep premiums low, this might be a good option. On the other hand, a lower deductible provides more financial relief after an accident, but typically comes with a higher premium.

Actual cash value vs. replacement cost:

Understand how your insurer calculates payouts in the event of a total loss. Some policies reimburse based on the actual cash value (ACV) of your vehicle, which factors in depreciation. Others may offer replacement cost coverage, which pays for a new vehicle of similar make and model. Knowing this difference can greatly impact the amount you receive after a serious accident.

Insurer reputation:

Not all insurance companies are equal when it comes to customer service and claims handling. Research customer reviews, third-party ratings (like AM Best or J.D. Power), and feedback about the insurer’s claims response time, transparency, and support. A low-cost premium means little if the claims process is slow or unhelpful when you need it most.

Bundling options:

Many insurers offer discounts when you bundle your collision coverage with other types of insurance, such as liability, comprehensive, homeowners, or renters insurance. Bundling not only reduces your total premium but also simplifies policy management by keeping everything under one provider. Be sure to ask about multi-policy discounts when comparing options.

Bonus Tip: Some insurers allow you to customize add-ons like rental car reimbursement or OEM parts replacement within your collision policy—look for flexible plans that can adapt to your driving needs.