What is Full Coverage Car Insurance?

What is full coverage car insurance?
What is Full Coverage Car Insurance? We have live agents here to help with questions, or call to receive a free, fast insurance quote!

Understanding Full coverage car Insurance can be confusing at first, but our Agents at A Plus Insurance want to make it simple for you. If you have any unanswered questions after reading, please feel free to give us a call. We are happy to answer any questions, and offer you a free, fast Insurance quote to help you find the best prices.

Full coverage car insurance is designed to cover you in the event of almost any circumstance. A full coverage insurance policy will consist of Liability coverage (you can choose these limits), as well as Comprehensive and Collision Coverage. Other coverages are available, such as Uninsured/Underinsured Motorist Bodily Injury Protection and Property Damage, along with Medical Payments.

Other coverages that are considered part of full coverage, are Roadside Assistance, Rental Reimbursement, and Gap Insurance. Once you have Comprehensive and Collision on your Insurance policy, you are able to customize your policy with these additional coverages for little to no extra cost, depending upon your insurance provider.

What is Full Coverage Car Insurance and what does it cover?

Coverage TypeWhat it CoversIs it Required?
Bodily Injury LiabilityThis covers the other party for bodily injury expenses if you are found At Fault, or liable in an accidentYes
Property Damage LiabilityThis will cover Property Damage to another parties vehicle, if you are found liable in an accident. Yes
ComprehensiveCovers the vehicle for theft, fire, vandalism, glass breakage, and impact with an animalNo- if you have a loan the lender may require
CollisionCovers the vehicle from an impact with another vehicle, or object. No- if you have a loan the lender may require
Roadside AssistanceProvides Tow, lockout services, fuel delivery, tire change, battery jumpstart.NO
Rental ReimbursementReimburses the Insured for a rental car, usually given a set amount per day and total amount if the vehicle is inoperable due to a covered loss.NO
Gap InsuranceWill help pay off the loan on a vehicle if they vehicle is totaled in an accident and the payout is less than the total due on the loanNO
Uninsured/Underinsured Motorist Bodily Injury ProtectionThis will cover if you are hit by a driver without insurance, or if you are hit by a driver who has lower liability limits than you do. Some States Require
Uninsured/Underinsured Motorist Property DamageThis will cover the vehicle if hit by an uninsured, or uninsured driver. Subject to your deductible.Some States Require
PIP – Personal Injury Protection / Medical PaymentsCovers up to a selected limit for bodily injury expenses in an AccidentSome States Require
What is full coverage car insurance?

How much does Full Coverage Car Insurance cost?

Full coverage car Insurance will vary depending upon the State you live in, the type of vehicle you have, driver information such as marital status, credit, and driving record, as well as the type of coverages you choose. The National Average for full coverage car Insurance is roughly $1592/year, or $133/month.

If you maintain a clean driving record, meaning no accidents, tickets, or claims you will likely see your insurance rates go down with time. Most adults in their 40s will see the cheapest prices since they started driving.

Who needs Full Coverage Insurance?

If you are financing a vehicle from a dealership, they may require you to carry full coverage car insurance on the vehicle for the entirety of the car loan.

This is because the lender wants to ensure that the vehicle will be covered by the insurance company in the event the vehicle should be involved in an accident and may be completely totaled out. It is important for drivers with a car loan to always carry car insurance. If you get into an accident without full coverage car insurance, you will have to pay for damages out of pocket, and you could end up paying on a loan even if the vehicle is totaled and you are no longer driving it.

How to find Cheap Full Coverage Insurance Quotes

Save time on your search for full coverage car insurance and give our agents a call today. We shop multiple Insurance companies to provide our customers with the best coverage, for the cheapest price. We are able to shop companies in a matter of minutes, giving you several options to choose from.

Some of the companies we work with are Progressive, Travelers Insurance, Farmers, Allstate, Dairyland, and The General.

Rating Factors Used to determine Insurance prices

Driver (Age, Gender, Marital Status)

Continuous Insurance – Maintained insurance coverage

Location – Where you live and surrounding areas

Credit

Driving Record – Accidents/tickets/claims

Vehicle – Year/Make/Model

Discounts to keep Premiums Affordable

There are several Insurance discounts that can be applied to help keep your full coverage car insurance cheap and affordable.

Consider Auto Pay – this means you are selecting to have your monthly payments taken off of a card each month. Most companies give a discount for auto pay.

Paperless – Consider enrolling in Paperless to receive notifications via email instead of mail, cutting down the amount of paper used. This will typically save you $50-$60 annually.

Alter your Deductibles – If you are paying too much for full coverage insurance, consider changing your deductible from $500, to $1000. The higher deductible you have, the lower your premium will be.

Additional Helpful Links
Cheap Auto Insurance in New York
Affordable Denver, CO Car Insurance
Greenville, SC Home Insurance
Cheap Motorcycle Insurance in Alabama
What is Full Coverage Car Insurance?

What is Full Coverage Car Insurance?

Full coverage consists of Comprehensive, and Collision Coverage which is intended to protect the vehicle in almost any circumstance.

What is full coverage car insurance and how much does it cost?

The National Average for Full Coverage is $131/month.

How to Save on Full coverage car Insurance?

Insurance companies offer several discounts like paperless, auto pay, bundling, and more to help save money.

Last Updated on by Marlon Moss