What is *Full Coverage Car Insurance? Full Coverage is Liability + Comprehensive/Collision. This typically protects you, and your vehicle, and what you may be legally liable for.
How is this different from Liability-Only Car Insurance? Liability only pays for any damages or bodily injuries that you may cause – up to the liability limits of course. It does NOT cover you or your vehicle.
Full Coverage is usually recommended for newer vehicles, sometimes even required if you have a lienholder or are financing. This is because Collision will protect your vehicle if your involved in a collision with another vehicle or object, while Comprehensive covers non-collision incidents such as theft and natural disasters.
Let’s say you have full coverage car insurance and you get into an accident where you’re deemed at fault and your vehicle has a considerable amount of damage. Here’s how each aspect of your full coverage insurance might take effect:
Liability – Your liability coverage would help pay for any bodily injuries or property damage you caused to other people in the accident, such as damage to another person’s vehicle or medical expenses that may have occurred.
Collision – Your collision coverage would help pay for any repairs to your own vehicle, even though you were at fault for the accident. Most likely, you may have a deductible that need’s to be paid before your insurance kicks in to cover the rest of the repairs. Most deductibles are between $500-$1,000 depending on what you chose.
Comprehensive – If your car was damaged by something other than a collision, such as a fallen tree or animal, your comprehensive coverage would help pay for the restoration. Again, you may need to pay a deductible before your insurance kicks in.
*It’s important to note that Full Coverage does not include Roadside Assistance, Towing, and/or Rental Expenses. These are separate coverages that can be added onto any full coverage policy for an additional price.
Pays for damage you cause – up to your limits
Protects your vehicle
Protects your vehicle
Protects you against an uninsured driver or someone who doesn’t have enough coverage to cover all the damages
Personal Injury Protection (PIP)
Covers medical expenses and lost wages, regardless of who’s at fault
Provides assistance if your car breaks down
Reimburses you for the cost of a rental car while you car is being repaired
Insurance Rate Comparison
It’s a tough thing to compare insurance rates when so many factors play a role. Below is a list of common factors that insurance companies take into consideration.
What Does My Neighbor Pay For Their 2011 Toyota Yaris? 30, Female, Single, Easley, South CarolinaYear/Make Model: 2011 Toyota YarisOwnership Status: 3 Years or MoreDiscounts: Paperless, Automatic Card Payments, Continuous Insurance- Platinum I Selected Coverages With ProgressiveBodily Injury Liability: $25,000…
What Is My Neighbor Paying for Their 2020 Chevrolet Equinox? 33, Female, Married, Colorado Springs, ColoradoYear/Make Model: 2020 Chevrolet EquinoxOwnership Status: FinancedDiscounts: Paperless, Automatic Card Payments, Smart Technology, Continuous Insurance 2020 Chevrolet Equinox Selected Coverages With ProgressiveBodily Injury Liability: $25,000…
What Are My Neighbors Paying for Their 2 Vehicles? 36, Single, Male, Colorado Springs, COYear/Make Model: 1992 Toyota 4RunnerYear/Make Model: 2007 Chevrolet Silverado 2500Ownership Status: All Vehicles OwnedDiscounts: Paperless, Auto Pay via Bank Draft, Continuous Insurance, Multi-Vehicle, 5 year accident…
What Is My Neighbor Paying for Their 2021 Subaru Impreza? 25, Female, Single, Colorado Springs, ColoradoYear/Make Model: 2021 Subaru ImprezaOwnership Status: FinancedDiscounts: Paperless, Automatic Card Payments, 5 year accident free, 3 year safe driving, continuous insurance 2021 Subaru Impreza Selected…
What Does My Neighbor Pay For Their 2011 Infiniti G37? 31, Female, Single, Roebuck, South CarolinaYear/Make Model: 2011 Infiniti G37Ownership Status: 3 Years or MoreDiscounts: Paperless, Continuous Insurance- Gold Selected Coverages With ProgressiveBodily Injury Liability: $25,000 / $50,000Property Damage Liability:…
Crystal was an amazing help !! so nice...read moreCrystal was an amazing help !! so nice and got everything done in a split second !read less
Jola has been helpful every single time I...read moreJola has been helpful every single time I talk with her! Very professional.read less
I had a GREAT experience! I was in...read moreI had a GREAT experience! I was in a time crunch and he was very accommodating!! Will definitely spread the word!!read less
Katie has been so kind and helpful. She...read moreKatie has been so kind and helpful. She was understanding, worked hard, and was able to get me a lower rate.
Notes: Married couple with a youthful driver. Looking for Auto insurance on 2015 CHRYSLER TOWN & COUNTRY and 2005 FORD MUSTANG investment friendly options for renters insurance snapshot Discount. WI Prior insurance Discount through Bristol West.read less
McKenzie was awsome at a plus insurance..
My insurance agent, Marlon, was thorough and efficient...read moreMy insurance agent, Marlon, was thorough and efficient in helping me find the best quote possible. It was half the price that I had paid earlier this year, and he was quick and easy. Friendly, too, I may add! Thank you for your help!read less
Decently priced insurance, easy to apply, person i...read moreDecently priced insurance, easy to apply, person i spoke with was helpful.read less
Crystal helped me initially sign up for my...read moreCrystal helped me initially sign up for my car insurance with sr22. I then bought a vehicle and had to get full coverage. The operator who i talked with had me on a ridiculously high plan at around$480 a month!! Crystal was able to help me find another provider with the same coverage at less than Half the cost!! She saved me hundreds of dollars a month and I am super greatful! Im a single father with two kids and this was truly life changing for our little family. Ill definitely recommend A Plus insurance and Crystal to anyone I speak with about car insurance. Thanks again Crystal!!! Youre the best.
Owner Response: Thank you so much for your kind words. Welcome to the Family. We have posted them for our entire staff to read. -Owner
Notes: 2009 Subaru Legacy, 1 driver, educational discountread less
Agent was extremely efficient and knowledgeable. She went...read moreAgent was extremely efficient and knowledgeable. She went in depth detail about the policy & statistics in my city. Will definitely be referring friends & family.read less
Prices too high!
Great service from agent. Would recommend over many...read moreGreat service from agent. Would recommend over many other agencies. THANKS JOLA !!!!!!read less
Most wonderful customer service and best rate possible!...read moreMost wonderful customer service and best rate possible! Thank you for your time and help! Saved more with A Plus than going direct to insurance company for quoteread less
Hola was very good to me took her...read moreHola was very good to me took her time to explain everything to me I will recommend her to all my family and friends.read less
He was amazing to work with and super...read moreHe was amazing to work with and super helpful and knowledgeable- Cliffread less
Chrystal was so helpful and really understood and...read moreChrystal was so helpful and really understood and took her time to find the best quote . I really felt relieved after I got the insurance I needed with her.read less
Crystal is helpful, timely and always friendly.
The lady I talked to was great.
Notes: ...read moreThe lady I talked to was great.
Notes: young Female 44 quote reasonable broad form high risk Pennsylvania Prior insurance Geico Insurance for tickets with no vehicleread less
I'm so happy I called Jola from A...read moreI'm so happy I called Jola from A Plus insurance and now I know why these 3rd party insurance companies exist! I used to think they were a scam, why go thru a 3rd party when you should be able to get a cheaper rate directly from the source right? WRONG! They have the experience and knowledge of navigating the insurance "system." I had already spent a total of 2-days, 3 + hours dealing with Geico and Amica trying to shop around, 150 questions later I still didn't have a reasonable rate! I was left wondering, "What did I answer wrong? Which one of those questions that I answered ended up screwing me? Why do other people get good rates and I seem to be failing the good-rate-pop-quiz!?" This morning I decided to call A Plus insurance since they had such a high rating and 33 min later Jola had already texted my ID cards!! And she beat both Geico and Amica's rates by a long shot! I'm including a screenshot of my call times showing the actual timer on the call to Jola. The other 2 calls in there were made because I hadn't looked over the document properly while Jola had me on the phone and asked me if everything was correct, so had to call her back cause my name was misspelled but that was my fault for not reviewing it properly and she was awesome in correcting it quickly, it took me 2 tries only cause I pressed 1 by mistake lol. About 2 hours after our conversation Jola called me back just to let me know she was able to obtain the proof she needed to validate my homeowners discount thru the County office, not to worry. I realized right then that she was still working on my account! Which tells me that if I had gone thru the insurance company directly like I did before, I would probably still be trying to gather documents and spending all that time wasting and gathering info for them. Now that I know, I will never deal with insurance companies directly again! Thank you so much Jola for saving my weekend and saving my family money! 😍read less
Lauren McKenzie did great help me get an...read moreLauren McKenzie did great help me get an great quoteread less
Very nice experience and customer service is excellent
Very easy to work with! Explained everything and...read moreVery easy to work with! Explained everything and left me with little questions. And the questions I did have were answered completely.read less
Absolutely love this and there donating to help charities