Collision vs. Comprehensive: What’s Best for Winter Weather Risks?

As winter approaches, many drivers start to worry about how parts of their auto insurance policy work to best insure their vehicles from seasonal hazards. At Garrison Agency Inc, we know that icy roads, sudden snowstorms and unpredictable weather can increase the risk of accidents and damage.

Understanding Collision and Comprehensive Coverage

Both collision and comprehensive insurance are optional coverages that go beyond the basic liability insurance required by Oklahoma law. However, they cover your vehicle in different ways:

Collision Coverage
This coverage helps pay for repairs to your car if you’re involved in an accident with another vehicle or object, regardless of who is at fault. For example, if you slide on ice and hit a guardrail, collision insurance may help cover the cost to fix your car.

Comprehensive Coverage
Comprehensive insurance covers damage to your vehicle from non-collision events. This includes financial risks such as hail, falling tree branches, vandalism, or even hitting a deer, which are common concerns during Oklahoma winters. If a winter storm causes a tree limb to fall on your parked car, comprehensive coverage may help cover the cost of repairs.

Winter Weather Risks in Oklahoma

Winters can bring freezing rain, sleet and occasional snow, all of which can make roads hazardous. Some of the most common winter-related risks include:

• Sliding on ice and colliding with other vehicles or objects (collision risk)
• Hail or ice storms causing dents and broken glass (comprehensive risk)
• Flooding from melting snow or heavy rain (comprehensive risk)
• Damage from fallen branches or debris (comprehensive risk)

Choosing the Right Coverage for Winter

When deciding between collision and comprehensive coverage, consider the specific winter risks you face:

• If you’re concerned about accidents on slick roads, collision coverage is essential.
• If you want coverage from weather-related damage, theft, or vandalism, comprehensive coverage is essential.

Many Oklahoma drivers opt for both to ensure complete coverage during the winter months.

Our team at Garrison Agency Inc can help you review your current policy and recommend the optimal combination of coverage tailored to your needs and budget.

Insure Your Vehicle This Winter

Don’t wait until winter weather strikes to review your auto insurance. Contact us today at Garrison Agency Inc to discuss your options and make sure your vehicle is insured all season long. Get in touch with our team here.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.