Comprehensive and collision insurance coverage is optional in virtually every state. The comprehensive and collision section of your policy covers physical damage to your own vehicle resulting from collisions and a variety of other causes (e.g., fire, falling objects). It may also cover losses associated with theft. However, your car's value plays a big part in assessing your need for this type of coverage. Usually it is more economical to transfer the risk of your new vehicle to the insurance company. In other words, it would cost less to insure it than it would to have to replace it yourself. If you are financing or leasing the vehicle then you are required to carry comprehensive and collision coverage. The lender or lease company will require that you provide evidence of this coverage. If you do not then they may force place the coverage for you and add the cost of it to your loan balance. If you are do not have a loan on the vehicle and are only inquiring about purchasing Collision coverage without Comprehensive, then you may be able to find an insurance company to help.

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