Is it worth it to have collision coverage on a used vehicle? It is if the coverage is free.

Let me share what happened. On my car I was only carrying liability insurance. If I blew through a stop sign and totaled my car, my insurance would pay for the damage to the other car, but not too mine. Thats how liability works.

I considered getting collision and comprehensive which would cover my car if I was at fault or if the sky started throwing ice baseballs.

However, I could not justify the return on investment. Paying several hundred extra dollars every six months and then paying for a $500 deductible did not quite make sense. Instead I'll drive safe and stay away from fierce thunderstorms.

Seven minutes though was all it took to change my mind. One day I was browsing the web and came across a special Internet site that claimed to help people save on car insurance. Their secret was simple. You input some information into their secure web page and several major auto insurance companies would offer you a quote. You would then pick your best rate.

I gave it a try and soon I was looking at the quotes. The first three quotes were decent, and then I came to number four. I almost skipped it, because it was the exact same price I was paying for my liability insurance.

But there was one major difference. This quote also included comprehensive and collision for the same price I was paying. In other words I was getting coverage for my mistakes and for acts of nature - Free!

As a bonus they had a office right down the road.

Quickly I got them on the phone and asked some pointed questions. After comparing notes, I was assured it was the same coverage I had, but with comprehensive and collision. I signed up and have been enjoying the savings and peace of mind ever since.

Do what I did. Get some free auto insurance quotes and save yourself some money.