Collision Coverage
Collision coverage pays to fix or replace a car that's been damaged in a collision with another object, or if it rolls over.
How It Works
In a covered accident, collision coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using, but aren't owned by anyone in your household.
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.
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What Collision Coverage Doesn't Cover
Damage from sources like these aren't covered by collision insurance:
- Theft
- Falling or flying objects
- Flood
- Hail
- Fire
- Hitting or being hit by an animal
- Natural disasters
- Storms
- Vandalism
To insure against dangers like these, you need comprehensive coverage.
Should You Have Collision Coverage?
To help you figure out if you should purchase collision coverage, you should estimate the approximate value of your vehicle. While there are a number of online resources that can help with this, including Kelley Blue Book and Edmunds, we recommend you speak with a State Farm™ agent. In addition to helping you determine the value of your vehicle, our agents can tell you how much extra you'd pay to add collision coverage.
Once you know the approximate value of your car and the cost to carry collision coverage, then you can make an informed decision about purchasing that coverage. Many people find that it's a good idea to cover newer cars, but as cars get older, their values decrease, and you might consider omitting or dropping this coverage to save money on your auto insurance.
Simple Insights™ by State Farm
Take advantage of what we've learned through the years in Simple Insights™. Here, you can discover advice on insurance, maintenance and repair, buying and selling, safety, and more.
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Here to Help Life Go Right™
State Farm has plenty of auto insurance options. You can get an auto insurance quote online, or speak with an agent who'll be happy to help you select insurance products and coverage amounts that are right for you.
