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	Insurance--Auto Insurance Collision and comprehensive coverage Annuities Auto Insurance -Auto Insurance FREE QUOTE -Auto Insurance Additional features -Collision and comprehensive coverage -Liability insurance coverage - Medical, PIP and no-fault coverage -No-fault laws -Uninsured motorist coverage Small business insurance Long term care insurance Health Insurance Home Insurance Life Insurance Travel insurance If you cause an accident, liability only pays for the damage to other vehicles. To cover your vehicle, you need collision coverage. You can receive reimbursement for repairs up to the value of your vehicle. Don't confuse this with the replacement cost for the vehicle. This is the actual cash value (ACV) which is determined by claims adjusters based on depreciation. Collision insurance is the most expensive part of an auto insurance plan. You can reduce your premiums by increasing your deductible. For example, you will pay more in monthly premiums for a $500 deductible than you will for a $1000 deductible. But you must have the money for your deductible in order to make repairs to your vehicle. Insurance companies will declare your vehicle "totaled" if the cost of the repairs exceed a percentage of the car's worth. This percentage can range from 55% to 90%, depending on the company. Comprehensive coverage protects your car from damages not caused by an auto accident. These damages include theft, vandalism, fire, natural disaster or hitting a large animal. Comprehensive coverage has a deductible and is limited to the ACV of the vehicle at the time of the damage. You should know approximately what your vehicle is worth. If you are paying more for collision and comprehensive coverage than your vehicle is worth, you should consider only carrying liability. Put money in savings to self-insure your vehicle in the case of an accident. This is much cheaper for you.