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.
For example:
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.
Insurance Policy
*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.
Coverage Options
Liability
Pays for damage you cause – up to your limits
Collision
Protects your vehicle
Comprehensive
Protects your vehicle
Uninsured/Underinsured Motorist
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
Roadside Assistance
Provides assistance if your car breaks down
Rental Reimbursement
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.
Auto Insurance, Now in 34 states! Full Coverage Sample Quote For A 2011 NISSAN ALTIMA Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look…
What is my neighbor paying for their 2014 Toyota 4 Runner? Auto-Full Coverage, 2014 Toyota 4 Runner See a sample rate for a Male Driver / Single 50 year old with No Violations – Full Coverage. Get A Free Quote…
Auto Insurance, Now in 34 states! Full Coverage Sample Quote For A 2018 CHEVROLET EQUINOX Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look…
Auto Insurance, Now in 34 states! Full Coverage Sample Quote For A 2016 SCION TC Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look…
What is my neighbor paying for their 2022 Kia Telluride? Auto-Full Coverage, 2022 Kia Telluride See a sample rate for a Male Driver/Single 34 year old with No Violations-Full Coverage. Get A Free Quote 2022 Kia Telluride: SAMPLE QUOTE Coverages…
When it comes to auto insurance, each State is different. Each have their own laws and requirements. So choose your State below to read about full coverage car insurance in your home state.
Love the way she took the time to...read moreLove the way she took the time to explain everything and get the ball rolling......she's Rockstarread less
Charles W.
7/21/2021
I have been a value customer for 3...read moreI have been a value customer for 3 years I honestly can say. A Plus Insurance service is the best I have ever dealt with There are very understanding very knowledgeable and will go out they way to help to have the best coverage for your vehicle at a affordable price The staff is so wonderful & pleasant to talk too they have excellent customer service Mrs.Katie Thank for you Do . Ms.Alexandra who was a great help with the understanding of my renew policy I really appreciate the staff for all you all do Thanks and I hope you as team have a great safe. Happy Independence Day weekend.
Notes: thank you for trusting us to insure your ford Truckread less
laura g.
7/07/2022
Crystal went above and beyond for me! She...read moreCrystal went above and beyond for me! She spent nearly an entire day finding me a better car insurance rate. I have never had an insurance agent spend HOURS and care as much as Cyrstal did. I would recommend A+ insurance to anyone looking for an agent that truly cares, especially if you are "high risk." Thank you Crystal for spending hours helping me find a way to save money!!!read less
Amy L.
3/15/2023
I would give them 20 stars if I...read moreI would give them 20 stars if I could my agent Camron was amazing. HE made everything so easy and simple . I highly recommend A plus Insuranceread less
Roberta B.
7/08/2023
Jola is very nice and professional. I looked...read moreJola is very nice and professional. I looked everywhere and she gave me a quote I never thought I could afford. I thought the other reviews were fake, but I was so so wrong; it's true, A Plus is the best.read less
Valerie C.
8/21/2021
Cameron was a great help, five start service....read moreCameron was a great help, five start service. Super easy and helpful, I will definitely continue to use this service!read less
Noah L.
4/13/2023
Marlon was very fun and Helpful in getting...read moreMarlon was very fun and Helpful in getting me the best rates possible!read less
Ivette F.
3/01/2023
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
Staci D.
8/14/2022
Great customer service skills and very effective!!!
Richard F.
7/21/2021
CRYSTAL FARLEY. Best in the business. I have...read moreCRYSTAL FARLEY. Best in the business. I have gone through many insurance companies and none of the representatives are as patients and willing to help as much as crystal FARLEY. I am very thankful for such an amazing customer service and the laughs shared through our conversations. You are so amazing and very helpful. We need more crystals in this line of work and I hope and pray you the very best and I WISH YOU GET A BIG RAISE 😂. very professional and amazing help. Thank you crystalread less
Nakayama M.
2/22/2023
Good communication answered all my questions that I...read moreGood communication answered all my questions that I needed to knowread less
Marina A.
11/21/2021
notes: young resident 27 bundle cheap...read morenotes: young resident 27 bundle cheap renters insurance policy VA Prior insurance American Summit Jeepread less
cynthia m.
4/21/2022
Alexandria was the most Pleasant and polite person...read moreAlexandria was the most Pleasant and polite person that I've ever spoke to on the phone I give her five thumbs up she said she don't even doing the job for 4 months I told her she acts like she's been doing the job for at least 5 years experience y'all should definitely think about her for Future bossread less
Brandy t.
1/08/2023
Absolutely love this and there donating to help charities
Ms J.
1/20/2023
Katie was very responsive to getting an auto...read moreKatie was very responsive to getting an auto quote for me. She was very quick with the entire process and I would highly recommend her and A Plus Insurance. Fantastic experience.read less
Neil L.
10/21/2021
Justin was a allstar I told her I...read moreJustin was a allstar I told her I that I hate phone calls like these and since COVID-19 everything on the customer service side of things where completely terrible….she gives me hope this can get better she was always asking if I need help she waited on the phone till I received and read everything she was kind and had a lot of information to offer no more I could ask forread less
Kahlil B.
7/21/2021
Mrs.Katie was excellent she is very knowledgeable treats...read moreMrs.Katie was excellent she is very knowledgeable treats you like a valued Customer who cares about people.A PLUS CUSTOMER SERVICE IS GREAT
Notes: first time insured 28 purchase prompt auto insurance young driver South Carolina Geico Infinityread less
laura g.
7/21/2021
Bundling saved me money Notes: Bundled both auto and Renters owners...read moreNotes: Bundled both auto and Renters owners insurance, discounted rates on both policies. Multiple vehicles insurance 2010 Toyota, 2007 Mazda, 2004 Honda, with 2 drivers. Easy, quick and affordable with immediate insurance card. read less
Kathleen B.
6/30/2022
Crystal was awesome to work with!
Diane l.
3/15/2023
I was taken care of quickly and happy...read moreI was taken care of quickly and happy with the price thanks again!read less
Kimberly C.
7/21/2021
The agents their are amazing
Mike H.
10/21/2021
I was looking for auto Insurance, And got...read moreI was looking for auto Insurance, And got several quotes. A Plus Insurance came up and I received a call. I returned the call and was greeted By Crystal, She was down to earth very helpful in answering my questions. She gave me explanations on everything and went above and beyond to get me the best possible insurance rate. If you are looking for a friendly, informative, kind Insurance Agency I recommend using A Plus Insurance. This Family owned business exceeded my expectations.read less
uhvmyhrtnsoul
7/21/2021
AMANDA, AMANDA, AMANDA!!!! A God send this one...read moreAMANDA, AMANDA, AMANDA!!!! A God send this one was!!!! Here I was looking for auto insurance, comparing prices and quotes for 3 days. Not wanting to speak to any agents. Somehow, Amanda calls, I explain, I didn't want to speak to any agents because I wasn't trying to buy anything at the moment I was only looking for quotes. I explained that I already found the cheapest. Rather than try to sell me gimmicks, Amanda ADVISES me on FINANCIAL LAW AND PENALTIES regarding my vehicle. Amanda started to educate me on Colorado law vs Financial law and the requirements. I loved how Amanda broke everything down for me and made everything make sense so my insurance didn't brake my wallet. She advised me to speake with my financial company to ensure I wasn't breaking any rules and reminded me I could always amend my policy if I needed and she would always be there to guide me if I needed her. This made me feel safe!! I knew I was making the right choice not only for my vehicles, but for my family as well as my finances. Thank you Amanda for helping me in my time of need!!read less
Zuriel M.
4/15/2023
She made this the most painless experience. Helped...read moreShe made this the most painless experience. Helped out with finding the best quote and great sense of humor.read less
