Understanding the difference between comprehensive car insurance coverage and collision insurance coverage is very important when it comes to researching and comparison shopping for better car insurance rates. A rate might seem great on the surface, and after you read the fine print, you find out it doesn’t cover all of your needs! The coverage you get for that low rate might not be adequate, plus your deductible may be astronomical. If you are a good driver and be certain that you will never need to make a claim, then a high deductible won’t make a difference. But, that is why they are called accidents