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Home » Collision Insurance

Collision Insurance

Collision insurance can help cover repair or replacement costs when accidents happen. Consider your circumstances and weigh the benefits against the cost to determine if collision coverage suits you.

What Does Collision Insurance Cover?

Collision insurance is a type of car insurance coverage that may help pay for damage to your vehicle resulting from various scenarios, including the following:

  • Accidents with other vehicles—If you’re involved in an at-fault accident with another driver, collision insurance may cover your car’s repair or replacement costs.
  • Collisions with objects—Whether it’s a tree, lamppost or mailbox, collision insurance can cover damage caused by collisions with stationary objects.
  • Roll-overs—If your car rolls over due to an accident, collision coverage may help cover the expenses.

How Much Does Collision Insurance Cost?

The cost of collision insurance varies based on several factors, including the following:

  • Deductible—The deductible is the out-of-pocket amount before your collision insurance kicks in. Higher deductibles typically result in lower premiums.
  • Car value—The market value of your car affects the cost. Newer or more expensive vehicles may have higher premiums.
  • Driving record—A clean driving record can lower rates, while accidents or traffic violations may increase the cost.
  • Location—Insurance rates can vary by location due to factors like local accident rates and repair costs.

Collision insurance is optional if your car is fully paid off. However, if you have a loan or lease, your lienholder can require collision protection as part of full coverage car insurance.

Contact Us

Contact Destiny Insurance in San Diego, California, to learn about your auto insurance options and get a collision insurance quote.