Many people buying auto insurance do not know the difference between collision coverage and comprehensive coverage. Collision coverage is what you buy for a collision between two automobiles. Comprehensive is everything else that can happen to your car. This is why it is often required if you have an automobile on payments. This type of auto insurance is needed in those cases due to the liability of the cars payments. Many people discontinue their comprehensive coverage as soon as their car is paid off, because they see it as an expense they do not need. But the question becomes, is it really an expense you do not need, or is it a coverage you can not afford to not have?
