[Green_Phoenix_LT1]

They have higher limits. We went with just enough to cover either one of our cars plus another lol. For yours you could go a little higher and still have a lower premium. Considering ours is for 2 vehicles. Your best bet is to see an agent face to face instead of doing it online. They get better deals. They are all over NJ. Just go to the website and find an agent closest to you. Thats just my suggestion anyway.

Here is the collision coverage explained from our policy.

Collision Collision coverage pays for accidental damage to your insured vehicle caused by collision with another vehicle or stationary object. Collision does not pay for incidents covered under Comprehensive (such as theft, fire, or collision with an animal). Collision pays for reasonable repair, towing, and storage costs. If repairing your vehicle is not reasonable, this coverage pays you the actual cash value of the vehicle.

Each collision claim is subject to a deductible (the amount you will pay out of pocket). You should choose a deductible that meets your financial needs; the higher the deductible, the lower the premium charged for this coverage. Please see your contract for state specific coverage details.

Collision is an optional coverage. You may want to consider whether the present value of your vehicle justifies the cost of this coverage. If you finance or lease your vehicle, your lease or financing agreement may require you to have this coverage. Refer to your lease or financing agreement for details.