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Collision/comprehensive insurance pays for damages to your vehicle. Most policies typically will pay to repair or replace a vehicle up to its actual cash value. But, what may differ between policies is the deductible, or the amount of money you must pay out of pocket in the event of a claim before the insurance policy kicks in and pays for damages. A policy with a higher deductible will often have lower premium rates, but if you must make a claim, you will have to pay more out of pocket than if your deductible was lower. When you are comparing car insurance rates, you should make sure that the policies you are looking at have the same deductible in order to make an accurate comparison.
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You want to compare car insurance rates, but price isn't the only important factor. Be sure to size up coverage levels, deductibles and discounts, too. When you're ready, start shopping!. By comparing insurance quotes line by line, you'll see that not all policies are the same. It's easy to arrive at the assumption that the cheapest policy is the best policy, but that's not always the case.
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