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Collision pays for damaged cars, minus deductibles.

Collision insurance coverage is coverage that pays to repair or replace a policyholder’s car after a car accident. A deductible may apply depending on the insured's requests at the start of the policy. In most states, insurance collision coverage is optional and is not usually a required coverage. For example, if a policyholder requests a Minnesota or Florida free auto insurance quote, it will be determined through the rate process if coverage is required in those specific states.

There are two types of collision coverage depending on the insurance options they provide or are obtained through your free auto insurance quote. You can either get replacement-cost coverage or cash-value coverage.

With the first type, a policyholder will be given enough money to buy a car of the same make, model, and year of the auto that is totaled.  The wear and tear of the car is usually not taken into consideration with this type of coverage. However, when requesting this type of free online auto insurance quote, the consumer should expect to be quoted an extra premium for this coverage.

Collision coverage pays for damage caused to your vehicle in an accident, when the insured is determined "at fault.” A standard collision automobile insurance policy will pay for any repairs up to the fair market value of the car.

Collision coverage usually comes with an insurance deductible. A consumer should understand when searching for a free auto insurance quote, a deductible is the amount of money they will pay toward repairs before the collision insurance kicks in. The higher the deductible the policyholder is willing to pay, the less the collision policy will cost. For this reason, a potential policyholder should comprehend this for auto free from insurance multiple quote information

If the policyholder opts for the second type, the actual cash value coverage; they will be given a check for the actual value of the car after the crash. What’s important about this type of auto free from insurance quote is the value of the auto may not be the same amount needed to replace the wrecked car. The car may have high mileage and be in a poor condition, and/or if there is a loan on the car, the amount owed can be higher at the time of the accident than the vehicle's actual cost.

Most states have several categories of collision coverage. These types are referred to as limited, standard, and broad forms depending on the insurance carrier. An auto free insurance Progressive quote option for instance, may or may not exclude a category.

Limited form collision pays for damage caused to the car, less deductibles, if the other driver is at fault. Standard form collision pays for the repairs of the damaged car, no matter who is at fault, less deductible. And Broad form collision reimburses for damage to the car with no deductible cost if the other driver is at fault. Therefore, Broad form is the most expensive collision coverage type.

As with any purchase, a consumer should always do their homework before making the decision on what type of collision coverage is right for them. Experts in the industry suggest that when getting a free auto insurance quote; make it more than one or two!