:com:
Please explain................:SIB
Again collision coverage covers just that, you colliding with something (exception is a wild animal such as a deer, which is comprehensive). Normal deductibles for collision are $500 or sometimes $1000. If you have a loan on your car, you are required to carry collision by the lein holder to protect their interest which is the car.
Ok, so comprehensive coverage basically covers everything other than collision. Fire, theft, vandalism, acts of God (hail storms, flood, etc), windshield breakage, blah blah blah. Since many of these perils under comp cov are "not your fault" or acts of God, almost all carriers will allow you 1 comp claim every 3 years that doesn't affect your rate such as a collision claim would. On almost all policies I write, I use $50 or $100 deduct on comp. The reason is obvious, if your car gets keyed, or windshield cracked, something like that, say a $400 claim....if your ded. is $500 you are hosed but if it is low you can turn it in and not worry about a rate hike (assuming no other claims). Some are even grandfathered in to $0 ded on comp, but most carriers don't offer that anymore.
Ok, I'm finished with the free advice:SIB
Also, meant to say, often the difference in price for a $50 comp ded. vs a $500 is maybe $30 every 6 months. Where as collision that difference would be $200 or more.
Ok, everyone that read this mail me $5 for consulting fee :SIB
