Collision coverage is a type of auto insurance that pays for damage to your vehicle when you’re considered at fault for an accident. Whether it’s necessary depends on several factors, from how you paid for the car to your overall risk. To help determine whether you need this protection, the team at C.I.S. - Crop Insurance Solutions, LLC, in Dumas, TX, offers some guidance and factors to consider.

The Level of Risk

Some drivers are considered higher risk than others. For instance, if you have a long work commute, you probably have a greater chance of getting into an accident. One’s driving record also makes a difference, as those with a history of incidents are assumed to be riskier to insure. Further, collision coverage also pays for hit and run situations, which would not be protected under general liability policies, so consider the area you live in.

The Cost of Replacing the Vehicle

If you suffer a total loss of your vehicle, would you be able to cover the costs of a new one? If not, collision coverage might be the smart choice. The value of the car is another consideration since some cost more to replace, putting greater financial burden on the owner. 

A Car Loan

If you used a loan to purchase a vehicle, the lender might require you to buy a collision policy. The auto insurance may even be bundled into the expense, which is often the pricier option. If this is the case, it’s best to search for a suitable and budget-friendly plan on your own.

If you need auto insurance in Dumas, turn to the capable team at C.I.S. - Crop Insurance Solutions, LLC. They offer over three decades of experience, exceptional customer service, and a wide range of quality products to suit your specific requirements and budget. Reach out to them online to get a quote, or call (806) 935-6512 to speak with an agent and schedule an appointment today.