Collision insurance is usually considered an optional insurance, and this is why the question of "
Should I buy collision insurance on my car?" comes up often. If you have a loan on your car your lender will make you carry collision coverage as part of your
car insurance. If you want lower premiums you can always go without collision coverage all together. Remember if you
do not have collision coverage and you get in to an at fault accident, then your car would not be repaired by your insurance company. If you just don't think you can afford collision coverage, you can also ask you agent about carrying a higher collision deductible to keep your premiums down.