Comprehensive and collision coverage in Wayzata, MN, are added coverage you can have as part of your auto insurance policy.
Comprehensive coverage will pay for damage to your car from almost anything, except a traffic collision. This can include vandalism, weather, or other events outside of your control. While it’s not required by the state, you may be required to have comprehensive coverage if you are financing or leasing your vehicle. Comprehensive coverage will become less valuable as your vehicle depreciates since it likely won’t pay out more than your vehicle value. Consider the value of your car and your deductible when considering if you should have comprehensive coverage.
Collision coverage is designed to cover the replacement cost in case you are in an accident, whether it’s with a stationary object such as a tree or another driver. It may also be required if you are leasing or financing, just like comprehensive coverage in Wayzata, MN. Even if you aren’t required to have collision coverage, it still has some benefits. Consider if you are able to replace or repair your car without coverage. If you are not in the financial position then you need to have coverage. The cost of replacing your car goes beyond the actual dollar amount of getting it fixed. There is also the disruption to your daily life through the replacement and repair process. Your insurance company won’t be able to assist you if you don’t maintain coverage.
An agent at Pizano Insurance can help you find the right policy for your needs. If you want the benefits of comprehensive and collision coverage, you can have the highest deductible that will fit your budget. If you want to use comprehensive or collision coverage for only major damage then you can have a higher deductible.
Contact Pizano Insurance to get a quote on auto insurance.