When Shopping Your Vehicle Insurance, Check Into Optional Coverage
The most commonly optional coverages, in addition to the basic liability package, are collision and comprehensive coverages.
Collision coverage: Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law.
Comprehensive coverage: Comprehensive coverages pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional.
Although Comprehensive/Collision coverages are optional and not required by law if you are making payments on your car your lender will normally require you to have and maintain Comprehensive/Collision until your vehicle is paid off.
Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage.