Auto policies are typically composed of three parts: collision coverage covers the cost of repairs to your vehicle after an accident. Choose an amount of collision coverage that reflects the value of your car. If your car is old or has little value, you can even drop the collision portion of your policy.
Comprehensive coverage covers damage to your vehicle random acts like fire, theft, hail and vandalism. This part of the policy is usually the least expensive and must be based on the value of the car. Remember that the insurance does not pay more than the car is worth.
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