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Full Coverage Auto Insurance Prices

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Things to Remember...

  • Full coverage policies are often purchased for cars that are used as collateral for financing
  • State requirements mandate that drivers have coverage to protect other people in the event of an accident
  • State minimum coverage doesn’t require you to protect your own car from storms and acts of vandalism

When shopping for auto insurance, you’ll hear about full coverage options. Before you choose a contract, you should understand exactly what comes with this type of coverage and how it affects your rates.

With this information in hand, you can choose the coverage that’s right for your needs and focus on finding the most attractive rates.

Be sure to compare rates before deciding on one company with our FREE comparison tool above. Just enter your zip code in the box above to get started!

Who Needs This Type of Insurance

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Full coverage policies are often purchased for cars that are used as collateral for financing.

It may be dropped once the vehicle is paid in full, but many people choose to continue carrying full coverage to help them pay for damage after accidents or buy another car if theirs is totaled.

The rates for full coverage will vary based on your individual coverage levels and your deductible amount. However, this level of coverage is also carried on older cars that are paid in full because of the benefits it offers.

Above and Beyond the State Minimum Requirements

This type of insurance goes above and beyond the state minimum requirements.

While state requirements mandate that drivers have coverage to protect other people in the event of an accident, they don’t require that drivers have coverage to protect their own assets and health.

This is where full coverage really stands apart from other plans.

In addition to paying for repairs to someone else’s car, this coverage will also pay to have your car repaired when it becomes damaged in an accident or storm.

Choose Coverage Levels Carefully

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Regardless of the insurance plan you choose, you’ll have to determine how much liability insurance you want to carry.

State requirements are low and are generally not enough to make the necessary repairs if you hit a brand new car that’s worth more than your coverage limits.

The insurance coverage should actually be enough to protect your assets and shield you in a lawsuit. Your rates will rise along with the coverage level, but you’ll be protected in the event that you cause an accident on the road.

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Protection in Accidents

When you’re involved in an accident, the damage to your car can be devastating. If someone else causes the accident, you can pursue payment for the damage through their insurance company.

If you cause the accident, you need special insurance to pay for the damage to your own car.

Collision is the type of coverage you need, and it’s included in full coverage plans.

This drives the price up because it increases the company’s potential liability, but it also provides you with more peace of mind to know that you’re covered even if you cause the accident.

Security for Storms and Vandals

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State minimum coverage doesn’t require you to protect your own car from storms and acts of vandalism, but this is still important insurance.

Comprehensive insurance covers most things that can happen to your car, and it’s a vital part of full coverage plans.

Even if your car is damaged when no one is around, you can still turn to your insurance company to have the necessary repairs made.

Not All Full Coverage Policies are the Same

When comparing prices and searching for the best insurance plan, it’s important to remember that not all full coverage policies are the same.

There are several extras that are available with these insurance plans, but they aren’t automatically included in your plan, and that can drastically affect the price.

Here are a few extras that you may want to consider adding before you compare final prices.

Uninsured and Underinsured Motorist Protection

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Most people believe that they’re covered against uninsured and underinsured motorists, but this isn’t always the case.

Many companies will require that the person responsible pay for the damage and they won’t cover the difference if that person is unable to cover the repairs.

Look for plans that include protection against the uninsured and underinsured. You may have to pay a small premium for this service, but it’s generally worth it for the peace of mind.

Coverage for the Loan in Case of Accident

If your car is totaled, do you have enough insurance to pay off the note?

Cars depreciate quickly, and you could be left covering the gap between what the car was worth and what you owed when it was totaled.

Some finance companies offer this insurance through the loan, or you can purchase it through your auto insurance company.

If you don’t already have it, you should consider adding it to your full coverage package.

Replacing Windows with Ease

Stone chips and cracked windows can happen to anyone. Driving with a cracked windshield is actually illegal in many states because it can block your vision, and the cracked windshield can also be a safety problem.

Without this coverage, you’ll have to pay for repairs or replacements on your own. However, this insurance plan makes cracked and broken windows far more affordable to repair or replace.

OEM Options

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Many insurance plans are looking for the most affordable ways to repair your car, so they’ll use aftermarket parts when possible.

This doesn’t bother some drivers, but others only want original factory equipment.

If you want to be sure that factory equipment is used, then you will want to sign up for this coverage.

People who don’t mind aftermarket parts can save some money by foregoing this coverage.

Car Rental During Repairs

When your car is out of commission after an accident, you still need to have a reliable source of transportation.

If you have an extra car, then you don’t need this coverage. However, you should have it added to the package if you only have one vehicle.

Deductibles and Better Car Replacement

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Some companies also offer unique features that help their customers save money. With vanishing deductible options, the deductible falls for every year you don’t have an accident or ticket. This feature can cause the premium to rise slightly.

Better car replacement plans allow you to buy a car that’s one year newer if yours is totaled, and these plans may also carry a slight premium increase.

When purchasing an insurance plan, there are many benefits to full coverage. This type of plan covers more, but it also protects you against accidents, vandals, and storm damage.

You can also choose to add on little extras like full glass coverage, vanishing deductible and Gap insurance for added protection.

While these features drive the price up slightly, they also provide you with more peace of mind. When comparing plans, make sure you’re looking at comparable plans by reviewing all of the fine print and adding the same extra features across the board.

Enter your zip code below into the FREE comparison tool below and start comparing affordable auto insurance quotes!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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