When shopping for car insurance, one important factor to consider is the deductible. This is the amount you agree to pay out-of-pocket before your insurance coverage kicks in after an accident or loss. Typically, policies with higher deductibles have lower monthly premiums, while those with lower deductibles cost more each month. It's important to select a deductible that fits your budget and risk tolerance. Collision vs. Comprehensive coverage While most states require liability insurance to legally drive, collision and are optional coverages that provide important protections. Collision insurance covers damage to your vehicle resulting from a collision with another car or object, regardless of who is at fault. Coverage protects you from losses caused by incidents other than collisions,
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