While there are many, many variations and add-ons available, there are two main types of insurance that you have to keep in mind when you are purchasing auto insurance. Collision and comprehensive insurance are both important and cover completely different things. Understanding the difference between the two can help you get the most out of your insurance policy and avoid paying for something you do not need.
Collision insurance is what pays for the repairs of your car in case of an at-fault accident. For instance, if you are driving down the road, hit a large rock and bang your car up, collision insurance would pay for the necessary repairs. Comprehensive insurance is what pays when something occurs that is not an accident. For instance, if your car is stolen or damaged in a hailstorm, your comprehensive coverage will come into play.
Understanding these two main types of insurance is a great start on creating the right auto insurance policy for you. Having a great agent is important too. For more information about auto insurance in the Pleasant Hill, California area, call or contact Lou Aggetta Insurance Services today and let one of our agents help you with your quest to get the best insurance for the lowest possible price.