Understanding car insurance options can be confusing, leading many drivers to purchase the wrong type of policy for their needs. If you’re in the market for cheap auto insurance in San Diego, learning about the differences between collision and comprehensive car insurance can help you make an informed decision. Read on for the basics about these two types of insurance, presented by San Diego American Tristar Insurance.
Collision insurance is meant to protect drivers against damage caused by other drivers, no matter who was at fault. This type of policy typically protects the insured in accidents with other cars or trucks, but most policies also cover accidents that include stationary objects under collision insurance as well. This means that your car will be protected if you hit another driver or if you accidentally back into a pole or tree. But be aware: These policies do not cover animal-related crashes or accidents.
For many drivers, the term “comprehensive” is misleading because these types of insurance policies do not typically cover all kinds of vehicle damage. Instead, comprehensive insurance policies aim to protect the insured from “act of God” damage or damage that is out of the driver’s control. This generally covers theft, vandalism, fire, animal-related crashes, broken windshields, and weather or natural disaster damages
So Which Policy Do I Pick?
While there is no set of rules to definitely tell drivers which type of policy they should purchase, the best way to determine the best cheap San Diego auto insurance policy for your needs is by speaking with an insurance representative. Insurance experts can help you figure out what kind of coverage will be most likely to work for you based on factors including the age of your vehicle, geography, and driving habits. For example, as these types of policies generally cover the current value of your vehicle, a comprehensive policy on an older vehicle may be wasting money, whereas for city drivers who frequently park in lots where vandalism is more common, a comprehensive policy may be best.
Whether you’re looking for comprehensive or collision insurance, American Tristar Insurance can help you find a rate and policy that works for you. Whether you’re looking for car, motorbike, or motorhome insurance in San Diego, our insurance experts are available at (619) 272-2100 to discuss your insurance needs and to get you a free insurance quote. We look forward to speaking with you!