I am an insurance agent here on Long Island now going to move but can offer some advice. Comprehensive fire & theft protects against something falling on the vehicle such as a tree, the vehicle getting stolen or in anyway vandalised also covers glass breakage. You will choose a deductible which is your out of pocket expense. The collision protects against damage to the vehicle when it is contact with something else( another car, or fence, or property). Both of these are first party coverages which means protecting your asset your automobile. Both have deductibles which can vary from $200-$2500 per claim. Hope this clarify's some of your questions.
Anne & Phil
Can't wait to meet everyone. Moving in October 2013
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