What is Comprehensive Insurance vs. Collision?

banner image with cash calculator and car keys

There’s a lot to consider when buying a new car in Bloomington, Morton, Peoria, including what kinds of insurance coverage you need. You’ve likely considered comprehensive insurance vs. collision insurance, but which one is best for you? Discover the differences between auto insurance coverages and make a smart choice with help from Sam Leman Automotive Group. 

Auto Insurance: Comprehensive vs. Collision

When sizing up the coverage details between comprehensive vs. collision insurance, drivers need to know that both of these coverage choices are optional. Purchasing either collision or comprehensive coverage is in addition to liability insurance, which is legally required, but can provide an extra level of security and peace of mind thanks to extra layers of protection: 

Comprehensive Insurance


    • A natural disaster destroys your car
    • Your car is stolen or vandalized
    • An animal collides with your car
    • A tree falls on your car

Collision Insurance


    • Damage caused by poor road conditions, i.e., large potholes
    • Damage caused by colliding with a stationary object, such as a tree or fence
    • Damage caused to your vehicle by colliding with another vehicle
    • Damage caused by a rollover

Which Coverage is Right for You?

drivers can bundle both comprehensive and collision insurance for the highest level of coverage, though it’s important to consider how these options fit into your budget. To help narrow down which insurance is right for you, ask yourself the following: 

  • What are Driving Conditions Like Where You Live? Are the roads you frequent in riddled with potholes? Are collisions with animals or falling trees a common issue in your area?
  • Does Your Car Hold a High Value? Think about the condition of your car. Does it still hold a lot of its original value?
  • What is Your Current Financial Situation? If you had to pay to repair or replace your vehicle out of pocket right now, would you be able to?
  • What are Your Driving Habits? Do you have a long commute? This may put you at a higher risk of an accident.

If rough roads or long commutes are part of your daily life, adding comprehensive or collision insurance may be worth it. 

If your car is older or if adding an additional monthly cost would stretch your budget too thin, it may not be a wise investment. 

Learn More About Your Coverage Options at Sam Leman Automotive Group

Still not sure whether comprehensive insurance vs. collision is right for you? Not to worry! Our knowledgeable team at Sam Leman Automotive Group can guide you through the details and answer all your questions for a smart decision you can feel good about. Check out our car buying tips for even more information, and use our monthly payment calculator to determine your new car budget. Contact us with any questions! 

Sam Leman Automotive Group 40.4607752, -88.9687249.