Buying auto collision insurance is easy to do when you know how to get all of the discounts that may apply to you. One of the best ways to make sure you are getting the best rates and the most discounts is to shop around with various insurers. To do this, you need to get free quotes from a variety of insurance companies. Remember, not all insurers offer the same products or charge the same rates, and you need to make sure that you are getting the insurance products you need at a price that is within your budget.

What is Auto Collision Insurance?

Basically, auto collision insurance is coverage that will pay for any damage to your car if you are in an accident and you are the driver who is at fault. If you are not at fault, your expenses will be paid by the other driver. If they do not have insurance coverage, you may have to sue the other driver to have all of your expenses taken care of.

Do You Need to Have Auto Collision Insurance?

It is not required by law that drivers carry auto collision insurance, but if you have a newer model vehicle it may be a good idea to have this coverage. If you are in any type of accident that is your fault, you need to have some way to pay for the harm that you may have caused. Your liability insurance is only going to pay for injuries or damages that you cause to others, such as property damage and medical expenses. Having collision coverage will pay for damages to your vehicle if you hit another vehicle, a building, signs, or anything else. Your auto collision insurance will also compensate you for the damage that you cause to the property of others.

Uninsured/Underinsured Motorists

Unfortunately there are far too many drivers on the roads who either aren’t carrying enough coverage or aren’t carrying any insurance at all. If you were to get into an accident with a driver who is uninsured or underinsured, your auto collision insurance will pay for your damages up to the specified limits, minus the deductible. The more elevated the deductible you choose the less your rates you will pay. If you are in an accident you may not like paying the deductible, but it will probably be a lot less than having to pay for repairs or replacement yourself. Of course, if the repairs would cost less than the deductible it is best to just pay for them out of your own pocket.

Do You Live in “Moose Alley”?

Many people in the US live in rural areas where there is a lot of wildlife, including deer and moose. In fact, some places are so populated with these animals that they are given the name “Moose Alley”. These are the areas where you need to be really careful when you are driving, especially at night and at certain times of the year. Late winter is when you will see a lot of moose and deer, because they are out foraging for food. Sometimes a run-in with one of these animals is unavoidable. In the US there are approximately 1.6 million vehicle accidents involving deer or moose and 150 deaths annually. If you live in a rural area where there is a lot of wildlife, you should consider having auto collision insurance. This way, if you do hit an animal you will be able to pay for any damages that it does to your vehicle.

Are Collision and Comprehensive Insurance the Same Thing?

There seems to be a lot of confusion about the difference between collision and comprehensive insurance. There is actually a big difference between the two types of insurance coverage. When you have collision insurance you have the coverage you need to pay for damages that are caused to your vehicle if you are in an accident with another vehicle, animal, etc. But, what if your vehicle is vandalized, stolen or damaged by an act of God? This is where comprehensive insurance comes in. Most policies combine collision and comprehensive into one package, along with the liability insurance that is required by the state you live in.

You Need to Get Quotes

If you want to get the best rates on auto collision insurance, shopping around and getting free quotes from a variety of insurers is one of the best things you can do. Give us your zip code and we will do all of the work for you. We can search our data bases in seconds to get you all kinds of free quotes from national insurers and insurers from your area.