For most new vehicles you will want and probably be needed to have comprehensive insurance. Comprehensive insurance coverages fixes to your automobile in the occurrence of any sort of incident, but also will guarantee you if your car was thieved. This is by far the best insurance you can have as it will also cover you if you were in any sort of incident which was a result of the other driver. Collision generally will only guarantee damages to your car or the other person's car due to any sort of incident.
Usually for oldeer vehicles that do not have much value you can get by with liability coverage. Liability protection will generally only protect the other person's fixes for damages of their car.
What is a deductible? Well the plan deductible is the cash you would be required to pay out of pocket before insurance companies will cover any loss. For example, if the loss only led to $500 of fixes and your insurance deductible was $1,000 then insurance companies would reject the claim as you would be responsible to pay for the fixes on your own.
Just knowing this little bit of respected information can help you when talking about your policy and hopefully help you spend money less.
Source: http://www.car-insures.com/2012/03/no-wasting-money-in-buying-car.html
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