Whether it’s a fender bender at an intersection or a tree limb falling through a windshield, accidents are an unfortunate reality for vehicle owners. Having adequate car insurance to cover these unforeseen calamities can provide financial peace of mind. Through their network with the nation’s leading carriers, BestRate Auto Insurance in Statesboro, GA, works for drivers to secure the best type of vehicle coverage.

During the search, a key factor is deciding on comprehensive or collision car insurance. While each policy has its benefits, policy holders should be aware of the differences when it comes to what’s actually covered.

Comprehensive car insurance provides protection against damages not caused by a vehicle accident. This can include theft, vandalism, and natural disasters such as hail, hurricanes, fire, and falling objects such as tree branches. Depending on the insurance carrier, the list of covered items can vary.

Collision car insurance typically covers damages related to a vehicle that is involved in an accident with another vehicle or stationary objects. The policy pays for repairs and if applicable, a replacement after colliding into cars and other items such as poles, buildings and street lights.

In helping you decide whether to go with comprehensive or collision car insurance, BestRate Auto Insurance will take a look at several factors such as the age of your vehicle. Some lenders require new cars to have comprehensive coverage. Older cars or trucks may not need higher deductibles and premiums.

Each driver’s needs are unique. Let BestRate Auto Insurance assist with getting you quality comprehensive and collision coverage designed to fit your budget. For free car insurance quotes, call BestRate Auto Insurance today at (912) 489-5942. Check out the website for information on a range of other policies, including boat insurance and the best motorcycle insurance rates.