You have probably heard of telematics, even if you are not familiar with the name. It is also known as usage-based insurance or pay-as-you-drive insurance. The idea is for your auto insurance company to set your premium rates based on your actual driving behavior. If you have good driving habits, you pay less for your insurance, and vice versa.
Collision and comprehensive are two types of insurance that are optional in California unless required by your lender or lessor. Although they’re often discussed together, they are two separate products and you can generally choose to purchase one or both.