Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

What is the difference between comp and collision coverage?

What is the difference between comp and collision coverage?

 

Collision and comprehensive coverage's are the coverage that would be used to repair your vehicle that has been damaged. Collision and Comprehensive (aka Comp or Other than Collision) are options coverages. Liability only policies do not include these two coverages.

What is considered a Collision loss?

A collision loss occurs when you hit another vehicle or stationary object like a street sign, post or in some cases even a house.

What is considered a Comprehensive loss?

Comp losses are also known as "acts of God" or losses that are out of your control such as you hit a deer (or other animal), hail damage, tree falls on your car, vandalism,cracked or broken windshields are all examples of comprehensive losses.

What will happen to my rate if I file a claim?

If you file a claim for a collision loss that could affect your rate because these are usually considered at fault losses because you are driving the car when the accident occurs. 

If you file a claim for a comprehensive loss those usually do not have a negative impact on your rate because those losses are usually out of your control.

Costs for Collision and Comprehensive coverage

Collision coverage is one of the most expensive coverages on your car insurance so you might be able to save some money if you go with a higher deductible. (make sure you choose a deductible that you are comfortable with in case you need to file a claim)

Comprehensive coverage you can usually get by with a lower deductible  because that is usually one of the least expensive coverages on your vehicle.

Check with your local agent and see how much you might save with a higher collision deductible or how much more it might cost to go with a lower comprehensive deductible.

 

 

 

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075
dave@insuringchampaign.com

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