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Optional Auto Insurance (Collision Insurance)

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are "at fault". A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

Collision coverage usually also comes with an deductible. This represents the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision policy will cost (and the more you will have to pay out of pocket before your benefits kick in).

Collision insurance coverage is not required by law in any state. However, if you're driving a car purchased from a dealership or financed through a lender, you may be required by the dealership or lender to carry collision insurance.

Optional Auto Insurance (Comprehensive)

Comprehensive coverage is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God".

Vandalism, flood, hurricane, theft, and fire are all events usually covered by comprehensive automobile insurance. (But make sure to read your comprehensive insurance policy for exact coverage details.)

Like collision automobile insurance, comprehensive coverage will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Optional Auto Insurance (Endorsements)

Automobile insurance endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

These policies are never required by any state, but many drivers value the security and convenience they provide.

Here's what you get for your money:

• auto towing insurance pays for (you guessed it) towing your car anytime you need it
• auto glass insurance gives you a lower deductible (or no deductible) when it comes to repairing any broken window on your car.
• daily rental insurance covers the cost of a rental car while your car is being repaired because of a covered event. (So you'll usually need both comprehensive and collision insurance to qualify.)
• emergency roadside assistance covers repairs done on the spot. Changing a flat roadside may be covered, but you'll have to pay for any repairs at the garage. This policy is often combined with auto towing coverage, and called roadside emergency towing insurance.

Click on your state below to find out more about car insurance specifics in your state and do get free no-obligation car insurance quotes from auto insurers covering your area