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Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

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Your Guide to Auto Insurance: Collision Vs. Comprehensive

Auto insurance can be confusing. There are so many different types of coverage, and it can be hard to keep them straight. Do you need collision coverage? What about comprehensive coverage? And what’s the difference between the two? Never fear! Your guide to auto insurance is here. In this post, Magic City Insurance Group LLC in Birmingham, AL breaks down collision and comprehensive coverage, so you can decide which type of insurance is right for you. 

Your Guide to Auto Insurance

Collision Insurance

It helps cover for damage to your car that results from a collision. Whether you hit a tree, another car, or a pothole, collision insurance will help pay to repair or replace your vehicle. If you have an accident and your car is totaled (meaning the cost of repairs would exceed the value of your car), collision insurance will also help pay off your loan or lease.

Comprehensive Insurance

A comprehensive cover helps you pay for damage to your car that is not the result of a collision. Comprehensive insurance will help pay to repair or replace your car if it’s damaged by things like hail, fire, floods, or theft. It also covers glass repairs or replacements, so if you get a chip in your windshield, comprehensive insurance can help pay for it.

So, which type of insurance is right for you? Well, this, of course, depends on a few factors. The value of your car, your driving record, and where you live are all things to consider when deciding whether to purchase collision or comprehensive insurance (or both!) If you have an older car, it may not be worth getting collision insurance since the repairs may not be worth the cost of the premium. If you live in an area with a high rate of car theft, comprehensive insurance might be a good idea.

Need Auto Insurance in Birmingham, AL?

If you’re trying to decide whether to purchase collision or comprehensive insurance, consider all the factors mentioned above. Magic City Insurance Group LLC can help you find the right auto insurance policy for your needs. Contact us today for a free quote.

What auto insurance are Alabama drivers required to have?

Most states have auto insurance requirements that all drivers in the state must follow. Alabama is not an exception, they also have requirements. If you don’t have the required insurance and are caught, you could lose your license and registration and be fined. It isn’t worth it. At Magic City Insurance Group LLC in Birmingham, AL, we take our responsibility as independent insurance agents seriously. We ensure that our customers have the auto insurance they need to comply with the law. 

Auto Insurance Facts

The law in Alabama mandates auto coverage of 25/50/25. Liability insurance is required and that protects the other driver and their property from you. If there are injuries, the first person injured is covered for $25,000 and the total accident tops out a $50,000. Damage to property is also $25,000. This is basic coverage, and while you may be in compliance with the law, it may not be enough to really protect you. 

If you are leasing your vehicle you have an auto loan, you will have additional coverage. You need coverage on your car as well. This requires having collision and comprehensive coverage. Collision coverage is for what it sounds like, a collision. It can be with another vehicle or a stationary item like a pole or tree. It also covers you if someone hits your car and leaves the scene. 

Comprehensive coverage is for things that hurt the vehicle that you can not control. If your car is trapped in floodwaters, stolen, vandalized, or gets damaged by heavy winds or hail, you can count on your comprehensive coverage to take care of the damage. Glass coverage is also included. 

Give Us A Call

Contact Magic City Insurance Group LLC in Birmingham, AL, for your auto insurance requirements.  

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