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What does collision insurance provide? For a covered accident, collision coverage extends beyond your own vehicle to include:
Your amount of coverage is limited to the actual cash value of the vehicle. Collision coverage also requires a deductible, the amount you'll need to pay before you start 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 State Farm® agent.
Collision insurance covers your vehicle when:
Damage from sources like these aren't covered by collision insurance:
To insure against dangers like these, you need comprehensive coverage.
Collision insurance protects you from claims by other drivers and pays for repairs from collisions. But it also differs from coverage types like comprehensive coverage in some key areas.
The main difference from comprehensive insurance, is that comprehensive coverage pays for damage to your vehicle for accidents that aren’t caused by a collision, such as weather-related incidents like hail.
Collision coverage differs also from liability coverage, which protects you from claims made by other drivers if you’re at fault in an accident.
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, 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.
Take advantage of what we've learned through the years in Simple Insights.
Learn what a car insurance deductible is and how it affects your car insurance coverage. Plus, tips on choosing auto coverages.
How to inspect and buy the classic car that's best for your purposes.
How much car insurance should you buy? These questions can help you decide.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements, and may vary by state. For further information, please see a State Farm agent.
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