Collision coverage is designed to pay for damage

Comprehensive coverage protects against non-collision events, such as theft, vandalism, fire, natural disasters, and collisions with animals. Like collision coverage, comprehensive coverage typically comes with a deductible.

  1. Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage provides protection if the policyholder is involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. This coverage can also include protection against hit-and-run accidents.

Factors Influencing Car Insurance Rates

Several factors impact the cost of car insurance premiums. Understanding these factors can help individuals make informed decisions when choosing coverage:

  1. Driving Record: A clean driving record is often rewarded with lower premiums, while accidents and traffic violations can lead to higher rates.
  2. Vehicle Type: The make and model of the vehicle, as well as its age and safety features, can influence insurance rates.

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