Roger Cooper91 said:I could really use some advice here. I need to renew my car insurance soon, and I’m looking to add collision coverage to the mix as well.
A few people have told me straight up: don't you dare split them up—get your liability and your collision from the same carrier. Others, though, say it doesn't matter at all. As I've been shopping around, I've noticed that some companies offer killer rates on liability while others are much more competitive on the collision side. It looks like it might actually be cheaper to bundle different policies from different providers, so I wanted to reach out and see what your experiences have been with this?
Just to clarify, none of the insurance companies I've spoken to so far have required me to tie the collision coverage to their liability policy.
In my opinion, it's usually better to get both your liability and comprehensive from the same provider for a few different reasons—though, obviously, it isn't a requirement.
Also, just something to keep in mind: the cheapest option isn't always the best or most reliable one, especially when you're looking at comprehensive coverage.