Full Coverage Car Insurance


If you can afford full coverage car Insurance, you should get it because it is an investment against possible catastrophic events at a relatively reasonable cost. Every major Car Insurance company has comprehensive coverage policy and because they are more expensive nearly all brokers try hard to sell them.

Lawsuits at all time high due to vehicular accidents and the medical and repair costs seemingly going up year after year. Getting your car insured with full policy can, in the long run, save you money in the event you are ever in an accident.

What exactly is Full Coverage Car Insurance?

What does Full coverage insurance mean? It is a type of an umbrella policy that is designed to protect you from almost any possible event that damages you and your vehicle. This kind of automobile coverage is a blend of Liability, Collision, and Comprehensive Insurance. Every car insurance policy must contain the state minimum amount of liability protection, so it’s the collision and comprehensive aspects of the system that make it full coverage.

It is important to note that a person might think they have full coverage car insurance. But in reality might have purchased a policy that has a low limit for protection in certain areas such as fire damage and thus your policy may not be as comprehensive as you think it is.

The often overlooked fact on policy Auto Insurance is that there is no such thing because no policy covers everything. So many people believe that they have full coverage auto insurance and that they are covered for absolutely anything that could happen to their vehicle but in reality that’s just not entirely accurate.

A full coverage car insurance will indeed cover you for many things such as wind damage and protection against an uninsured motorist accident. The reality is there are some things that the policy does not cover. Thus, the term can be a little misleading.

For example, if you have a briefcase of cash, let’s say $10,000, and someone steals it out of your vehicle, then you would need a different type of policy to cover that.

Make sure you shop around for the best rates prior to buying a full coverage auto insurance.

The three essential components And Liability vs. Full Coverage Explained

1. State required mandatory liability Insurance

2. Comprehensive Insurance coverage

3. Collision Coverage

Every entire coverage policy will contain a mix of these three, but the amount of protection will vary by company and the specific dollar amount you choose for your coverage. There is two primary policy – fundamental and personalized – that will make up your system.

The key is careful to choose the insurance protection you need without buying an unneeded system and thus waste money. If you live in an area that is prone to a high amount of auto thefts, for example, you might want to get extra full coverage theft protection. Getting this coverage is not only replaced your car in the event of a robbery but provides car rental reimbursement also.

Although in almost every state the “full coverage auto insurance” is not mandatory or required by law. If you lease a vehicle or finance one, you most likely will be compelled to get it fully insured. The company that is financing the car wants to protect their investment as much as possible and the only way to ensure that is requiring you to carry a comprehensive total coverage.

What does Cheap Full Coverage Car Insurance Cover?
A cheap comprehensive coverage insurance will cover you from almost anything that will happen to your vehicle but not everything. Let’s take a look at some common areas of protection that are in the agreement in a full coverage car insurance.

Beyond damage resulting from an automobile accident, there are so many things that could potentially damage your car. A total right coverage will cover you from events not resulting directly from an accident, including but not limited to:
1. Fire damage
2. Natural disasters such as a tornado or hail and wind damage
3. Car Theft
4. Vandalism – such as your car tires being slashed
5. Glass damage – such as a small rock that causes a crack in your windshield
6. Animals – if you live in deer country this is first coverage to get

Although so many things are covered with a substantial total coverage policy there are a few areas that are not. These include:
1. Personal items were stolen from your vehicle. For example, if you had a personal computer stolen from your car then that would fall under a different type of insurance class, even though it was taken in your car.

2. Towing and Roadside assistance. Much full coverage car insurance do cover towing and roadside assistance but not all. If you feel it is important to have this coverage, double-check the details of your policy and if it is not in the policy, get it covered.

Who needs Full coverage car insurance?

The easy answer to this question is almost everyone who operates a car. It is especially important to anyone that has a car worth more than $10,000. With nearly a million thefts occurring in the US each year, this startling fact alone should convince you to get full coverage auto insurance.

Think about it, if your car is worth $11,000 or $12,000 was stolen, and you didn’t have adequate comprehensive coverage theft protection, could you afford to replace it?

Also, if you live in an area that is prone to tornadoes and severe weather, a full car Insurance policy could save you during a difficult time. In short, if you can afford it, full coverage car insurance is a no-brainer. If you don’t already have this policy, get it as soon as you can because it could save you a lot of money in the long run.

How to Get Cheap Full Coverage Auto Insurance

full coverage car insuranceThere are many national insurance carriers that have excellent rates on total coverage policies and offer free quotes in just a few minutes. The best way to save on entire coverage is to compare rates with up to ten insurance companies and apply for all the discounts you want. With some online research and a few discounts, you can find a full coverage auto insurance rate that meets your budget and protects you adequately.