Purchasing auto insurance coverage can be somewhat confusing to people who are new to this, and this confusion might lead you to purchase the wrong types of coverages, or it could cause you to fail to purchase the types you need. There are two main types of auto insurance coverages you should understand before you call about getting coverage, and these are collision and comprehensive. Here are some of the differences between these two important types of coverages.

Collision covers you when you cause a collision

As the name suggests, collision coverage is a type of auto insurance coverage designed to cover your damages from a collision. The unique part about collision coverage, though, is that it covers the damages when you are the person responsible for causing the collision. Having collision coverage is vital if you have a loan on your car or if your car is worth a lot of money. While you may never think that you will cause an accident, you should realize that you take the risk of causing an accident anytime you drive your car. Accidents can happen at any time and without any notice whatsoever but having the right coverage will protect you in this event.

Comprehensive is designed for other types of accidents

Comprehensive insurance is also an important type of coverage, but it offers a completely different type of coverage. In fact, it covers incidents that can happen that are not covered under collision policies. For example, if your car is damaged from a hail storm, you would need comprehensive insurance in order to file a claim. Comprehensive also provides coverage if you hit an animal while you are driving or if someone breaks into your car and damages it or steals things from it.

Both types are important

If you are trying to decide which types of coverage to purchase, you should realize that both types are not only important to have, but you might be required to have both types if you have a loan on the vehicle you own and drive. Choosing both types of coverage will offer you peace of mind knowing that any type of event that could possibly cause damage to your car would be covered under the policy that you have.

If you would like to receive a quote for auto insurance, you can get one by talking to a local auto insurance agent today.