These figures are averages and can vary based on individual circumstances.
Factors Influencing Premiums:
Driving Record: A clean driving history can lead to lower rates, while violations or accidents may increase premiums.
Location: Insurance costs can vary by state due to factors like traffic density, accident rates, and local regulations.
Age and Gender: Younger drivers and males often face higher premiums due to statistical risk factors.
Credit Score: A higher credit score can result in lower insurance rates, as it’s often viewed as an indicator of financial responsibility.
Coverages and Other Factors
Coverage Type: Full Coverage
Number of Vehicles on Policy: 1
Year/Make/Model: 2019 TOYOTA HIGHLANDER
Ownership Status: Own
Roadside/Towing: No
Rental Coverage: No
More Auto Coverage Details
Insurance Company: Progressive
Liability Limits: $25,000 each person $50,000 each accident, $25,000 for property damage
Uninsured Motorist: 25/50
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: $1000
In some states, it IS permissible to reject uninsured motorist coverage.
Full Coverage Sample Quote: Insurance Rate Factors
State: Colorado
Gender: Male
Age Group: 40s
Legal Marital Status: Single
Prior Insurance: Yes
Violations: Yes
SR-22: No
Discounts Applied to this Full Coverage Sample Quote:
Education Discount
Paid-in-Full
Paperless Discount
Multi-Vehicle Discount
Automatic Payments
Driving App
Bundle/Multi-Policy Discount
Homeowner
Continuous Insurance
5-Year-Accident-Free: Good Driver Discount
Additional Notes: This person has a good driving record!
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real Full Coverage Sample Quote.
What Is Full Coverage?
Full coverage typically refers to an insurance policy that provides comprehensive protection by encompassing a wide range of potential risks or damages. It is commonly used in the context of auto insurance, where it implies a policy that includes both liability coverage and physical damage coverage.
Liability coverage typically pays for damages or injuries caused to others in an accident that you are legally responsible for. This can include property damage and medical expenses for the other party involved. Physical damage coverage, on the other hand, helps cover the cost of repairing or replacing your own vehicle if it is damaged or destroyed in an accident, regardless of fault.
While the term “full coverage” is often used colloquially, it’s important to note that there isn’t a standardized definition across the insurance industry. The actual coverage and extent of protection can vary depending on the insurance company and the specific policy terms. It’s essential to review the details of any insurance policy to understand the specific coverages and limits provided. This full coverage sample quote is all about full coverage.
What Is Liability?
Liability refers to the legal responsibility or obligation to compensate for any harm, loss, or damage caused to another person or their property. In other words, it is the state of being legally accountable for one’s actions or omissions that result in negative consequences for others.
Liability can arise in various contexts, such as:
Personal Liability: This involves situations where an individual is held responsible for causing harm or injury to another person. For example, if someone slips and falls on your property due to negligence, you may be liable for their medical expenses.
Product Liability: This applies to manufacturers, distributors, or sellers of a product who may be held accountable if their product causes harm or injury to consumers due to defects, inadequate warnings, or improper use.
Professional Liability: Also known as malpractice or errors and omissions (E&O) insurance, this type of liability applies to professionals such as doctors, lawyers, accountants, and architects. If they fail to provide a reasonable standard of care or make errors that result in harm to their clients, they may be held liable.
Premises Liability: This pertains to the legal responsibility of property owners or occupiers for injuries or damages that occur on their premises. For instance, if a visitor gets injured due to a hazardous condition on your property, you may be liable for their injuries.
Liability insurance is designed to protect individuals and businesses from financial loss in the event that they are found legally liable for damages. It helps cover the costs of legal defense, settlements, or judgments that may arise from such claims.
6-Month Premium:
$ 1,492.50
Monthly Installments:
$248.66
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.
Need Some Proof? Check Out Some of Our Reviews!
I absolutely love dealing with these people! So much so that I’ve left and come back to their service.
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A. H.
7/21/2021
Alexis was very helpful. Would refer to all my friends.
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royroy177
11/08/2023
Very helpful...
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Espie G.
7/21/2021
Great experience. Young lady, first name Lauren, very helpful and pleasant. Wish I had changed insurance companies years ago!
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Legacy S.
8/21/2021
Marlon did a wonderful job end helping me with my auto
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Kim O.
12/22/2022
Ms Katy was a phenomenal woman and I will keep in mind on renters insurance for the future
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Leshauna L.
7/21/2021
A plus Insurance is the way to go. Alexis was wonderful quick and made everything easy. Walked me through every step and answered all questions and the best part saved me tons of money ! Needing quality service and Insurance A plus is the way to go. Thank you!
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justin c.
10/28/2023
Great lots of help and very kind
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Kaitlyn T.
7/17/2022
I was able to take care of everything over phone and email, very reasonable rates and several options for companies, down payment, and monthly payment amounts were given. Great job and thanks again, highly recommend.
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Jim R.
5/14/2023
Jola was absolutely amazing! She got all my needs met within a very short time. I was chatting with her online at almost midnight last night for my policy.
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Cheryl B.
7/21/2021
nothing but overpriced insurance rates. Went with liberty Mutual instead and they blew any price A Plus Insurance could offer out the water. don't let this company over charge you for insurance policies when you can get a way better price from other companies.
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cole s.
10/21/2021
Great work Alexandra!!!
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andrew s.
11/08/2022
Crystal was AMAZING! She was able to find the cheapest quote for me and I’ve called several companies prior to speaking to her. She made the process smooth and effective! I would highly recommend her to my family and friends!
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Laquinta F.
5/09/2024
My rep was the absolute best I love my insurance company
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The O.
3/01/2023
A Plus insurance is awesome! Great people, friendly and helpful. Crystal helped me save money with a new policy. I recommend A Plus to anyone needed insurance.
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Bill
8/30/2023
Customer service was outstanding
Insurance rating factors: Non Owners, SR22 filing, minor ticket
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Rudell D.
5/21/2022
My agent was Jola , she was how do you say ?? AMAZING!!! She found me the cheapest insurance and explained everything so well to where even I could understand thank you very much again she deserves a pay raise !
Notes: 2003 HOnda Pilot with affordable liability only coverage for one driver with accident and violation free discounts applied.
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amber c.
6/21/2022
I spent almost all day trying to get the right insurance coverage with the right price until I found Cameron he's such. A life saver very respectful courtese and just all about your needs you know what a gentle men I really really like Camerons work I give him ten stars excellent costumer service skills bravo Cameron keep up the good work way to go bro......thanx again , Your recent costumer Diana Cancino
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Diana C.
10/03/2023
CRYSTAL 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 crystal
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Nakayama M.
2/22/2023
Well I'm very satisfied with the customer service. All my questions were answered. Ms Crystal from South Carolina is Avery important piece to this company I believe. Not only helped with getting me insurance but also made me feel they actually care for customers and future customers. Don't seem to be a money hungry place she actually did her job to get me a very affordable quote. Thank you Ms Crystal hopefully your recognized for your hard work.
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Johnny P.
2/07/2024
Lauren was very quick and helpful in assisting me find the right insurance policy.
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Lindsey M.
7/21/2021
Jola was so great at helping me! She didn’t mind how much I wanted to compare the prices on things and was so kind and patient through a few bumps in the road we had during the process! Really felt taken care of, thank you!
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Stephanie S.
7/21/2021
I needed assistance with a lapsed Home Owner’s Insurance Policy, Jola worked diligently over two days to get me the best rate and fulfilled everything I needed painlessly. I would Highly Recommend this company and their Services. If there were more than Five Stars, she would have gotten them all…Thanks Again, Very Satisfied Customer!
Notes: Married Business owner 50 acquire quick truck insurance by phone Ohio Prior insurance the General Dodge.
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Jason S.
6/30/2022
I really cannot say enough great things about the service given by Lauren.Great in every way.