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This coverage is also optional and not required by law. An important thing to consider when purchasing collision and comprehensive coverage is your deductible. Many companies offer zero dollar to $2500 deductibles. The deductible is the amount of money you will pay if you file a claim before the insurance company pays there share. For example, if you have a $500 comprehensive deductible and file a claim for $1300, you pay $500 and the insurance company will pay the remaining $800. Having a deductible lowers the amount you have to pay for insurance because you are agreeing to take on part of the risk. The insurance companies also likes this because it reduces your chance of filing small claims, which are costly for them to process. If you purchase a new car with a loan, the financial institution that loaned you the money might require you to purchase comprehensive and collision coverages. This is because they see your car as collateral for the loan, and they want to make certain it is worth something if they need to repossess it. If you are required or choose to purchase collision and comprehensive coverage, the easiest way to get cheap car insurance is to request the highest deductible you can afford. Remember, you will be required to pay that deductible amount if you file a claim that is your fault before the insurance company will pay for the rest of the damages. About the Author: Joe Welusz is a licensed insurance agent that writes on the behalf of QuoteMatcher.com about many interesting insurance topics. He helps find you ways to get Free Insurance Quotes. You can always get Insurance Quotes at Quote Matcher. cars, and car insurance car insurance, donating cars, and car insurance car insurance, donating cars, and car insurance car insurance, car rentals, donating cars, and car insurance car insurance, donating cars, and car insurance car insurance, car rentals, donating cars, and car insurance car insurance, car rentals, donating cars, and car insurance car insurance, donating cars, and car insurance quotes home owners insurance car insurance