What is full coverage car insurance? Get an online auto quote
comprised of comprehensive and collision coverage. Unlike liability coverage, these coverages add physical protection to your vehicle. These insurance options, when paired with state-mandated liability coverage, comprise “full coverage.” a ‘full coverage’ policy covers you in most of them.
Some coverages (such as auto liability) are required by state law. Others (such as rental reimbursement) may be optional, depending on the insurer and your situation.
So, it’s up to you to choose car insurance that fits your needs– making sure your coverage meets state requirements and helps you protect your car.
Note: No insurance policy can cover you and your car in every circumstance.
But a ‘full coverage’ policy covers you in most of them.
” Full coverage” is comprised of comprehensive and collision coverage. Unlike liability coverage, these coverages add physical protection to your vehicle. Here’s
what is covered by full coverage auto insurance:
• Collision coverage: protects your vehicle if you collide with another object
• Comprehensive insurance: protects your vehicle from non-driving related incidents.
Collision coverage basics
Collision coverage provides insurance against damages sustained by a vehicle in a collision. Below are common scenarios in which collision claims are filed:
• Rear-ending another Car
• Running into a fixed, Tree, inanimate object
• Damage to your car via a hit and run
* If you have uninsured property damage coverage on your policy, you can use this coverage rather than collision. We recommend you carry underinsured and uninsured motorist protection.
Collision coverage includes a deductible– the amount owed by the insured. The remaining balance of the claim is covered by the insurance company. The amount of the deductible is variable, with most falling between $250 and $1,000.
As far as collision coverage is concerned, coverage will apply regardless of fault. Most collision claims are seen as an at-fault accident. This is why using your collision coverage will cause your premium to increase.
Because insurance companies consider collision claims and at-fault accidents as very similar events, they tend to raise drivers’ premiums after a collision claim of any kind. This rate penalty can last as long as three years
Comprehensive insurance basics
Another facet of full coverage car insurance is comprehensive. Comprehensive coverage, sometimes known as “other than collision” (OTC), covers non-collision related claims. The list of qualifying circumstances is lengthy. Comprehensive coverage covers damages resulting from:
• Collision with an animal.
Deductibles also apply to comprehensive coverage. However, because many auto insurance companies don’t see comprehensive claims as to the result of driver error, rates typically don’t undergo a hike after a comprehensive claim.
how much does full coverage insurance cost
Adding physical damage protection and other optional coverages will cost more than a liability-only policy. How much more will depend on many factors, including the year, make, and model of the vehicle you want to protect, plus the deductible you select (the cost of comprehensive and collision coverage will decrease if you choose a higher deductible). Keep in mind that a policy with extensive coverage can be more affordable than you might think, as we offer many discounts to help you attain cheap full coverage car insurance.
However, there are still plenty of variables that affect your insurance costs, including Your location we can find you the best full coverage insurance in these states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming.
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