Yes, you can purchase comprehensive insurance coverage without carrying collision insurance on your auto policy. This combination is a common strategy for vehicle owners who drive older cars paid off in full, where the cost of collision coverage outweighs the car's actual cash value. Carrying comprehensive-only protection safeguards your parked or moving vehicle against non-collision hazards such as theft, fire, vandalism, windshield cracks, windstorms, hail damage, or animal strikes, while keeping your overall monthly insurance premiums significantly lower by omitting crash-related coverage.
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