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Comprehensive vs. collision insurance: What's the difference? Comprehensive and collision are both optional coverages that protect your vehicle, but they differ in the type of incident they cover.. Learn more about comprehensive car insurance coverage from Progressive, including how it works, what it can cover, and additional benefits. Comprehensive coverage: Required by car lenders Comprehensive car insurance coverage protects your vehicle against damage caused by an event outside of your control, including theft, vandalism,. What is comprehensive auto insurance coverage? Comprehensive coverage is an optional coverage. Though it's optional, auto lenders may require you to carry comprehensive when leasing or financing. Comprehensive insurance is defined as coverage for non-collision-related damage to your vehicle, which is why it's sometimes called "other than collision" coverage. " Full coverage," on the other hand, is an.