Collision and Comprehensive Coverage-Knowing Your Auto Insurance Policy

In the first movie of the Transformers, there is a scene where Sam Witwicky played by Shia LaBeouf is with his dad. They were scouting for Sam’s gift, a new car. They end up in a secondhand auto shop where the transformer autobot Bumblebee, a 1974 Camaro became Sam’s first car. Now you are graduating student in California. Your parents surprised you with a car as a gift too. Good for you. If you are like Sam, who just bought his car, more likely you will test it out for a drive, but before you put your foot to the pedal and insert that key, there is one thing you might need to consider before driving. You don’t want that new car of yours to get damaged and pay for it yourself don’t you? Well, insurance will resolve that.
   
Since this is your first vehicle and you and you still have not process your papers to insure it, let me get you started on the basics of policy and what it covers to protect . The first thing to do is to ask for an overview of the monthly rates, terms and conditions, and the scope of the policy. Most Californian carriers offer CA auto insurance quotes free of charge. Choosing the right policy that answers your needs can be a bit complicated and there are factors to consider before signing a deal like price and scope. Shopping and inquiring from insurer to insurer might be a tedious job but it will help you a lot in getting the best price combination and coverages.

There are two main types of coverages for auto insurance policy: Collision and Comprehensive.  So what is the difference between the two?

Collision
This helps you pay for the damages caused by collision with another vehicle, collision with a stationary object such as a tree or street signs and a vehicle rollover. This protects you whether the car damage was your fault or not. If your car is being financed or leased, you are required to have the collision type.

Comprehensive
A Comprehensive coverage on the other hand helps you pay for damages and losses not caused by a collision. It covers for damages caused by theft or vandalism, fire, blizzards, hail or wind and falling objects, such as a rock or tree. This type protects you from damages that do not involve other vehicles and other drivers, like in a car accident.
Both Collision and Comprehensive are subject to deductibles. Aside from what the policy covers, a factor that a first time car owner should consider is the premium or the base rate. The premium of the car depends on the car itself, the higher the car rating the more expensive the premium will be.
The Department of Insurance requires every motorist to own a policy and in Ca, auto insurance quotes free of charge can be easily found since most insurers and carriers offer them for free. So if it is your first time to own a car, better take good care of it and purchase a good package that best suits your needs and budget.