Should I choose Comprehensive or Collision auto insurance?
I'd like you please to advice me what insurance should I get for my used 2008 Ford Focus S coupe. I'm a student and from Oregon. I's searching and I found 21st Century Insurance, and they offer either Comprehensive or Comprehensive and Collision only, and I thought I should get Collision coverage because it's the one I need in case a damage occur to my car. "What do you think?"
For now I looked Esurance and they offer 82$ and 21st Century and offer 73 if I choose Comprehensive 1000$ with no Collision coverage.
If you have a vehicle loan on this vehicle you are required to have full coverage. My advice is to contact a local insurance agent for a quote they also will explain the difference. The higher amount of deductible lowers your rate but if you are in a accident can you come up with $1,000 before the insurance pays one thin dime.
What you HAVE to have to legally drive is "Liability Insurance". That covers the other car or what ever you damage in the case of an accident and is required by law in all 50 states. Collision covers your car in case you wreck it. Comprehensive covers your car in case someone vandalizes it or hail damages it or a tree limb falls on it, etc.
You need both. Ask the insurance carrier for a quote…
Comprehensive and Collision are BOTH for damages to your car, but they're used in different situations.
Your car is only 7 years old. You need both.
Agree with mustanger. FYI, I lived in OR for several years, and my liberty mutual policy was only $3 per month difference between liability and full coverage. I pay $56 per month for a 2004 F350 and a $500 deductible.
FYI, OR is a little more than other states as it is a No Fault State. So if you are involved in a collision, no fault is assigned. Your insurance covers your vehicle and thiers covers thiers. That's it. Only in the case of deliberate or DUI or such can the other parties INS sue you or your INS company to recover damages from an accident. So because of this, meaning your INS company always has to payout to repair a vehicle and not get anything back, it costs higher per month in Oregon.
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