Comprehensive Coverage - Covers your car if it is damaged when stolen or by flood, fire, or animal means (means other than collision). Pays to fix your car minus whatever deductible is chosen (the lower your deductible, the higher the rate of your insurance policy, typically). Leased or financed cars usually require comprehensive coverage. People with older cars or cars in bad condition may not need this coverage (or want to pay for it), as the cost of paying for the coverage might add up to a higher amount than the car is monetarily worth.
Collision Coverage - Also usually required by lien holders if your car is financed or leased. Covers damage to covered vehicles when it hits or is hit by another vehicle or object. Coverage amount is determined by the total cost minus your deductible. Again, older cars and poor-condition cars probably don't need this coverage.
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