Comprehensive vs. Collision Car Insurance

As a vehicle owner, it’s important to have the right auto insurance coverage protecting you on the roads. But under the umbrella of auto insurance in Texas lies two different subsets of coverage: collision and comprehensive car insurance. Contigo Agency is all about helping our Texas community members understand the difference between these two. Even if they are not legally required in Texas, both are still part of a full coverage policy.

Learn more down below and find the best rates in auto insurance with us!


What Is Collision Insurance?

Collision insurance is a Texas car insurance policy that covers damages to your car after an accident, no matter who is at fault. This policy will typically cover expenses incurred from collisions involving other cars, single-car accidents, and rollovers. Should you experience a full-on collision out on the road, collision insurance pays for repairs to your vehicle or cash value if the car is declared a total loss.

Let us help you find the best collision insurance for your budget.

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What Is Comprehensive Insurance?

On the other hand, comprehensive insurance covers damages that are not caused by a collision. Comprehensive insurance from our bilingual insurance agents covers damage caused by theft, natural disasters, fire, vandalism, animal accidents, and more. If your car is irreparable, your insurance provider will typically provide cash value for the car. Let us help set you up with the best comprehensive insurance for your car.

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What Each Insurance Policy Covers

Drivers looking for affordable car insurance in Texas need to be careful when choosing between these two types of insurance protection. Collision insurance only covers damages caused by other cars while comprehensive handles damages that are not car collision-related. Comprehensive insurance tends to be the more expensive of the two since it covers a broad range of incidents; however, our team will help compare rates and find the cheapest car insurance for you.

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Which Do You Need?

While Texas residents are not legally required to have either policy, Contigo Agency recommends investing in both if you’re leasing or financing your car. It’s also a good idea for drivers who may not be able to pay for auto repairs out-of-pocket. Without insurance, you risk covering the repairs or replacement of your car on your own. But you can find the best rates in auto insurance with our team! Call us today and recieve the best customer service in spanish or english.

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Explore Your Auto Insurance Options With Contigo Agency

Having both comprehensive and collision car insurance coverage will provide you with peace of mind knowing that your car repairs will be covered when the unexpected occurs. Speak to one of our representatives today to learn more about how you can buy the right auto insurance for you!

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