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Stated simply, collision coverage pays for the replacement or repair of damages to your insured vehicle caused by the upset, overturning, or collision with another physical object or person. The collision coverage can be purchased with a deductible (the portion of the damage that the insured pays), which can range from a low of $50 to a high of $500. Of course, the higher the deductible, the lower the cost of the coverage.

Ready to compare discount auto insurance online? Enter your zip to get started. The comprehensive coverage will pay for the replacement or repair of damage to your vehicle caused by theft, larceny, fire, malicious mischief, vandalism, flying missiles, water damage, flood, hail, windstorm, earthquake, explosion, or any accident with birds or animals and covers glass breakage for all of the above.

The comprehensive coverage can be purchased with no deductible in the states of Arkansas, Connecticut, Delaware, Kansas, New Hampshire, Oregon, South Dakota, Texas, Virginia, Utah, Washington, and Wisconsin. The comprehensive coverage can be purchased with a $50, $100, $200, or a $500 deductible in the other states. Again, the higher the deductible, the lower the cost.

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Discountautoinsurances.org will help you receive discount insurance quotes online. Most states require financed vehicles to carry both the comprehensive and the collision coverages for the protection of lending institutions. However, New York and most other states allow the deductibles on coverage for financed vehicles to be as much as $500. Verify your state’s maximum limit through your insurance representative. In certain cases, you may be able to negotiate a higher deductible with your lending institution if you have a good credit rating. In any case, using higher deductibles is a smart way for careful drivers to save many premium dollars.

It’s important to be aware of the cases in which you can legally collect from your own policy. When you cause an accident in which you are clearly at fault or when you’re not at fault but are unable to prove your innocence at the accident scene because of a lack of witnesses or other crucial evidence, you may collect from your own policy. You also may collect from it if your vehicle is struck by an unknown hit and run driver while it is legally parked or is being driven in a legal manner. Finding discount auto insurance online made easy!

In each of the above cases, your deductible would be subtracted from the total claim and you would collect the difference. However, if you were a victim of an accident and were able to prove your innocence, you would collect fully (without a deductible) from the guilty party’s policy. The same would hold true if you were subsequently able to identify the hit and run driver and establish your innocence. Get discount car insurance in minutes!