Collision VS Comprehensive Coverage

MyTPG Blog
Published: 06/1/20 7:42 PM

Collision vs. Comprehensive banner | TPG

Collision VS Comprehensive Coverage

This article was published on: 06/1/20 7:42 PM




Though state laws may not require you to purchase both collision and comprehensive coverage for your policy, doing so can protect your financial well-being. Read on to learn more about these types of coverage.

Collision and Comprehensive Coverage: The Basics

Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Although these coverages are generally not required by state laws, they can reduce your financial hardship during a loss.


Download the PDF version: Collision VS Comprehensive Coverage.pdf

Disclaimer: This resource is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and limited to the terms and conditions contained in the applicable policy.


© 2020 MyTPG.com


Also, if you are financing a loan for a car, your lender will most likely require both collision and comprehensive coverage as part of your car insurance policy.

Collision Coverage

Collision coverage pays for the cost to repair damages to a vehicle due to an accident, either with another vehicle or an object. Typically, you will collect only the actual cash value of your car versus the replacement cost value. Gap insurance protects you in the event you owe more than your vehicle is worth.

  • Collision coverage is generally the most expensive portion of a car insurance policy.
  • Premiums are based on a number of factors, including your deductible, driving record and the type of car you drive. If your driving record is fairly clean (no or very few tickets or accidents), your premiums will be lower because you are less likely to have a collision.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle that is caused by theft, vandalism, fire, natural disasters or hitting an animal.

  • Comprehensive coverage comes with a deductible and the insurer will only pay as much as the vehicle is worth at the time of the incident.
  • Comprehensive coverage has many limitations, so it’s best to review your policy carefully to make sure you are properly covered.

We’re Here to Help

Call our office today at 909-466-7876 to learn more about collision and comprehensive coverage, and how we can protect you against losses.

4 Ways to Save on Your Auto Premiums:

  1. Consider raising your deductible.
  2. Maintain a clean driving record.
  3. Establish a solid credit history.
  4. Install an anti-theft device in your vehicle.

Download the PDF version: Collision VS Comprehensive Coverage.pdf