Adding both comprehensive and collision insurance coverage to your auto policy is a good idea for most drivers. However, there are some circumstances where it's not worth the added cost. For example, anyone who owns a new vehicle should consider both types of coverage to protect their investment. Those who live in hazardous areas should also seriously consider comprehensive and collision coverage, since accidents are more likely to occur there. Finally, anyone who couldn't afford to replace their vehicle out of pocket should consider collision coverage for peace of mind.