Car insurance coverage explained

Liability, collision, comprehensive, deductibles, and add-ons, in plain language. Here is what each coverage does and when you need it.

By the InsuranU team Updated July 20267 min read

Car insurance is a stack of separate coverages. Once U know what each one does, building the right policy gets simple.

Collision and comprehensive

These two protect your own car. Collision covers damage from hitting another car or object. Comprehensive covers almost everything else, such as theft, weather, fire, and animals. They are often required if your car is financed or leased, and worth it while your car still holds real value.

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Collision vs comprehensive

Which of the two protects your own car, and when.

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Comparison

How to compare quotes

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Cost guide

How much car insurance costs

See the real ranges, with a live estimator.

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Common questions

Do I need collision and comprehensive?

They are worth it while your car holds real value, and often required on a financed or leased car. On an old car, you can weigh the premium against the payout.

What deductible should I choose?

One you could pay out of pocket tomorrow. Higher deductibles lower your premium but raise your cost at claim time.

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