If you’re wondering, ‘what is collision insurance?’, don’t worry – we’ve got you covered. If you’re at fault in an accident, whether it be with another object or another vehicle, collision coverage is an add-on coverage that is designed to help you out by paying the cost of repairing or replacing your vehicle, minus the amount of your deductible.

Similar to Comprehensive Insurance, this add-on coverage must be purchased as a part of your auto insurance policy in order to cover you. Further, if you have a loan or a lease on your vehicle, you may be obligated to carry both comprehensive insurance as well as collision insurance to protect their interest in your vehicle. If you purchased your car, collision coverage is meant to help you with the cost of repair or replacement in the event of an unexpected loss.

Even if you consider yourself a safe driver, you may still benefit from having this added coverage included in your auto policy. Fault in an accident is not always clear cut and tends to vary by the laws in your state. Thus, by including this coverage in your auto policy, SafeAuto can further help you pay for the part or all of the costs to repair your vehicle.

Collision insurance protects against fender benders like this
A car protected by SafeAuto collision coverage


Answer a few questions about you, your car, and any other drivers and we will have a customized quote in less than 3 minutes. You can also get a quote online or call 1-800-SAFEAUTO to talk to one of our knowledgeable expert representatives. Once you purchase a SafeAuto insurance policy, you’ll have immediate coverage and proof of insurance ready to hit the road.


All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how the above coverage applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available 24/7 to help you customize your collision coverage at a price you can afford. Now, that’s insurance for the rest of us.