Best Full Coverage Car Insurance Rates
Full coverage car insurance is an all-encompassing approach to covering yourself when behind the wheel of a vehicle. It is a combination of a variety of car insurance coverages under one policy umbrella. With a full coverage car insurance policy, you have coverage for liability, damage to your vehicle, as well as the vehicle of others, and more.
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UPDATED: Mar 25, 2022
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- Full coverage car insurance is a combination of auto insurance coverages under one policy
- A full coverage car insurance policy will carry a higher price tag than a narrower auto insurance policy
- Liability, comprehensive, and collision coverages are always included in full coverage car insurance
Full coverage car insurance is a term thrown around far too loosely. Many car insurance companies will offer full coverage car insurance, but there isn’t anything “full” about it.
How exactly should you define full coverage car insurance? And why is it so critical to have it as a consumer? It doesn’t need to be a scary concept, as long as you know how to define it and what to shop for in the market.
What is full coverage car insurance?
The concept of full coverage insurance is essentially a combination of many types of car insurance coverages under one policy. What is full coverage insurance? It is a combination of everything from liability coverage to coverage over the damage to your vehicle, and more.
Know your car insurance 101 — the basic coverages you should care about and you’ll be a more educated shopper. Some of the types of car insurance coverages that are part of a full coverage car insurance policy include:
- Liability coverage. Inclusive of both bodily injury liability and property damage liability, liability coverage would pay for property damage or injuries to another individual as a result of an accident where you are at fault.
- Comprehensive coverage. The comprehensive coverage type will repair or replace your vehicle due to damage from a loss that was not a collision. Examples include if the vehicle was stolen or damage is done to it while parked.
- Collision coverage. This coverage will repair or replace your vehicle following a car accident or collision.
- Medical payments coverage and personal injury protection (PIP). This would cover the medical payments you are responsible for as a result of an accident.
- Uninsured and underinsured motorist (UM/UIM) coverage. If you are not at fault for an accident, but the other party is uninsured or lacks adequate insurance coverage, UM/UIM coverage kicks in.
- Rental reimbursement coverage. This would reimburse you for the need to acquire a rental car following an accident.
The difference between liability only and full coverage is a full coverage car insurance policy will include all of these coverage options under one comprehensive insurance policy, providing you widespread coverage for a variety of scenarios. Full coverage car insurance works the same as any other policy, but it pays out for more perils than a regular, liability-only policy.
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How much does full coverage car insurance cost?
Full coverage car insurance costs will vary widely depending on the car insurance company you choose. The average cost of full coverage car insurance per year is $1,655.
Most of the major players in the car insurance industry will offer full coverage auto insurance. There are certain companies known to offer it at a more value-added premium. These include GEICO, State Farm, as well as USAA. To determine how much full coverage insurance will cost you, you need to compare quote offerings.
The cost of full coverage car insurance also depends on the state you live in. States may require you to carry minimum policy limits, impacting your premium. If you live in a state with a high minimum limit for something like personal injury protection (PIP) coverage, that could increase your rates.
Who needs full coverage car insurance?
The ideal driver profile for full coverage auto insurance is effectively everyone who owns and drives a vehicle. Insurance Information Institute data shows that the most frequent type of claims are collision claims, followed by comprehensive, with liability lagging a long way behind. This highlights the value of extensive insurance for your car, truck, or SUV.
The great thing about the way full coverage car insurance works is that you are protected in a much wider range of scenarios. You could accidentally cause damage to property or another individual, posing a need for liability coverage. You could have a collision with another vehicle, sparking the need for collision coverage. A tree could even fall and hit your car, prompting comprehensive coverage to kick in.
The goal with a full coverage car insurance policy is to try and cover every scenario that could go wrong with your automobile. It should provide you with peace of mind that, no matter the accident type, you have coverage to take care of any relevant losses.
How to get the best full coverage car insurance?
If you think you are a candidate for full coverage auto insurance, seek out a quote today.
Check the price point of affordable full coverage car insurance and compare it to your existing, less-extensive auto insurance policy. The likely outcome is that the relatively small price of the extra insurance for your car will be outweighed by the extensive protection enhancements and peace of mind the policy provides.
The best full coverage insurance offers a balance of extensive coverage and affordability.
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