Finding Full Coverage Auto Insurance Quotes

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Things to Remember...
  • Full Coverage will be more expensive than just buying liability insurance
  • You might need or want to purchase more than just liability insurance in some cases
  • Liability covers property damages and injuries up the maximum amount stated in the policy
  • Your state will not force you to purchase collision insurance, but you might need to purchase it if you still owe money on your car
  • Comprehensive coverage covers your car from damage from accidents, weather damage, getting stolen, etc.

Do you need to purchase full coverage for your vehicle?

This will be more expensive than just buying liability insurance, but you might need or want to purchase more than just liability insurance in some cases.

Since you will pay more for full coverage, it is also important to compare full coverage auto insurance quotes to be sure that you get a good deal.

There are quite a few ways to find quotes, but it might be helpful to understand what full coverage auto insurance generally consists of first.

That will help you be certain that you are purchasing the right type of coverage for your vehicle.

Three Types of Full Coverage Auto Insurance

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  • Liability insurance – this protects the other guy and his property
  • Collision insurance – this protects your vehicle in an accident
  • Comprehensive coverage – comprehensive coverage pays for non-accident damages

These are the three primary types of coverage. There are also some other types of coverage and benefits that you can bundle with your policy.

Some examples are benefits that help you pay to rent a car after an accident and roadside assistance. However, it might be helpful to learn more about the three main types of coverage first.

Liability Insurance

Every U.S. state has laws to ensure financial responsibility for vehicle owners.

This means that almost all vehicle owners have to purchase a minimum liability insurance policy.

These are different in each state, but your insurer or agent will help you buy a policy that conforms with the laws in your state.

Liability covers property damages and injuries up the maximum amount stated in the policy.

Consumers are free to purchase more than their state minimums, and some people might be prudent to do this.

For example, the maximum property damage for required policies is fairly low in some states. It is only $15,000 in California, and it is easy to find fairly new cars that are worth more than that amount.

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Collision Insurance

Your state will not force you to purchase collision insurance, but you might need to purchase it if you still owe money on your car. This covers damages to your own car that are caused by an accident.

If the accident was another driver’s fault, his liability insurance should cover these damages, but if it was your fault, you need this coverage to help you repair or replace your car.

Comprehensive Coverage

Cars can get damaged or lost for multiple reasons, and not all of these reasons have to do with car accidents.

Your vehicle could get stolen or damaged by rising flood waters or a hail storm. Only comprehensive car insurance covers issues like this.

Again, your state does not force you to purchase this type of coverage. However, you may need to buy it if you still owe any money on your car loan.

Do You Need Full Coverage on Your Car?

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You know that you have to purchase liability insurance to drive legally. If you have a loan, you probably need to buy full coverage.

If you are lucky enough to have your car totally paid for, you have a decision to make.

It will be cheaper to only purchase liability insurance. However, you risk having to pay for repairs if another driver’s liability insurance does not cover your vehicle’s damages.

How hard would it be for you to pay for damages yourself? You might sit down with an insurance agent to discuss the pros and cons of full coverage.

It might also be a good idea to gather some quotes, so you can see how much different types of coverage cost.

Finding Full Coverage Auto Insurance Quotes

The  price you pay for your auto insurance will depend on a lot of different things.

These factors include the kind of car you own, your past driving history, your age, and where you live.

Actually, insurers consider dozens of different things before they offer you a premium quote for any type of insurance.

That means it can be tough for an average person to guess how much their policy should cost.

You cannot really go by the price that your neighbors, relatives, or coworkers pay. None of them are likely to have exactly the same situation as you do.

On the other hand, you might ask people you trust about their experiences with different companies, so you know which companies to consider and which to avoid.

Compare Full Coverage Car Insurance Quotes Online

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You might start by looking for a full coverage car insurance quote form on the Internet.

You can just supply some basic details, and these quote systems will give you multiple quotes to compare for yourself.

These online quote forms should be totally free to use, and you are not obligated to buy anything. You are free to get more information about an insurer or keep your old company.

Find a Local Agent to Help You Compare Quotes

Online quote forms can help you gather information about companies and plans. But they cannot deliver personal service and answer all of your questions.

However, they usually give you a way to contact people who can. Your next step might be to contact a local auto insurance agent who can provide personal service and answer all of your questions.

You can ask an agent if you need full coverage auto insurance for your personal situation.

Even though these agents get paid by insurers for selling policies, they have a legal responsibility to represent their customers.

It should not cost you more money to purchase your policy from an agent than it does to buy online.

Get the Right Full Coverage Car Insurance at the Right Price

Start out by comparing prices online. Then you might turn to a local agent to make certain you purchase adequate coverage from a good company.

By combining the power of the web and personal service, you are likely to find good full coverage auto insurance quotes from a good company.

Enter your ZIP code into the FREE quote tool located below to start comparing now.

FREE Auto Insurance Comparison

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