Question 1

Is full coverage worth it?

Accepted Answer

Whether full coverage is worth it depends on your situation. For example, if you have a car loan or lease, you probably don’t have a choice since most lenders require full coverage. However, if you can afford to pay for repairs to your vehicle out of pocket, you may choose liability-only coverage.
Full coverage is an excellent option for drivers who own expensive vehicles, live in areas where their car is likely to be damaged, and can’t afford to pay for repairs themselves.

Question 2

What does full auto coverage cost?

Accepted Answer

Full coverage auto insurance costs $119 monthly on average.
For more information, check out our comprehensive guide titled &#8220;What is auto insurance?&#8221; to learn everything you need to know.

Question 3

What factors affect my full coverage auto insurance cost?

Accepted Answer

Full coverage auto insurance quotes get impacted by age, gender, insurance company, coverage options, driving record, and much more.

Question 4

Is full coverage auto insurance mandatory?

Accepted Answer

No state laws require full coverage auto insurance. However, if you have a lease or loan on your vehicle, the lender or leasing company may require you to carry full coverage until the lease or loan is paid off.
And you might wonder, should I tell insurance I paid off my car? Almost always the answer to that is yes. Once a car is paid off, you may need to make changes to your insurance coverage.

Question 5

What doesn’t full coverage auto insurance include?

Accepted Answer

Full coverage typically doesn’t include add-ons, like roadside assistance, gap coverage, accident forgiveness, and rental car reimbursement. In addition, while you can add various additional coverages, full coverage generally doesn’t include them.
For more information, explore our detailed guide titled &#8220;Cheap Full Coverage Auto Insurance&#8221; for a quick overview.

Question 6

What are the pros of full coverage auto insurance?

Accepted Answer

Full coverage auto insurance provides several advantages that go beyond standard policies, offering comprehensive protection for your vehicle and peace of mind.

Enhanced Protection: Full coverage offers a comprehensive range of protections for your vehicle and other parties involved in an accident.
Peace of Mind: With full coverage, you have financial protection against a wide range of risks, reducing your worries about potential losses.
Vehicle Replacement: In the event of a total loss, full coverage can help cover the cost of replacing your vehicle.

With enhanced protection and the ability to cover vehicle replacement, full coverage ensures you&#8217;re financially safeguarded against various risks on the road.

Question 7

What are the cons of full coverage auto insurance?

Accepted Answer

While full coverage auto insurance offers extensive protection, it comes with a few drawbacks that drivers should consider.

Higher Premiums: Full coverage policies generally have higher premiums compared to basic liability insurance due to the increased level of protection.
Deductibles: You may be required to pay a deductible before your full coverage auto insurance kicks in, which can be a significant out-of-pocket expense.
Age and Value Limitations: Full coverage may not be cost-effective for older vehicles or those with low market value, as the cost of coverage may exceed the potential payout.

With higher premiums, deductibles, and potential limitations for older vehicles, full coverage may not always be the most cost-effective choice for every driver.

Question 8

What is the best car insurance for full coverage?

Accepted Answer

Generally, USAA, Geico, and State Farm have the best rates for full coverage car insurance. However, you should get a quote to know for sure.
For a deeper understanding, refer to our in-depth report titled &#8220;Best Auto Insurance&#8221; for all the details you need.

Question 9

Does full coverage insurance cover your engine?

Accepted Answer

If your engine gets affected by theft, vandalism, natural disasters, or animal collisions, your full coverage will pay out via comprehensive insurance. However, your policy won’t cover you if your engine fails.
Use our free comparison tool below to see what auto insurance quotes look like in your area.

Question 10

What is fully comprehensive insurance for cars?

Accepted Answer

Insurance fully comprehensive refers to auto insurance that offers extensive protection for your vehicle. While full coverage car insurance may vary by provider, it generally includes protection for damage to your vehicle, other vehicles, property, and injuries to yourself or others, regardless of fault.

Question 11

What is the difference between full coverage and comprehensive insurance?

Accepted Answer

Full coverage commonly describes a combination of different types of auto insurance coverage, typically including liability, collision, and comprehensive coverage. Full coverage usually includes both collision and comprehensive coverage along with liability coverage, and comprehensive insurance specifically refers to the coverage that protects against damages to your vehicle from non-collision incidents.
For a thorough understanding, check out our detailed analysis titled &#8220;What are the recommended auto insurance coverage levels?&#8221; for more information.

Question 12

What does full coverage usually cover?

Accepted Answer

Common questions about full coverage auto insurance include whether it covers everyone and if it includes engine failure. The specifics of what full coverage includes vary depending on your insurance provider and the details of your policy.

Question 13

What’s the difference between collision and comprehensive coverage?

Accepted Answer

When determining the necessary car insurance coverage, it&#8217;s important to understand the differences between collision and comprehensive coverage. Collision coverage pays for repairs to your vehicle if it&#8217;s damaged in a collision, regardless of fault, while comprehensive coverage protects against damages from non-collision events.
The decision to drop collision coverage depends on your personal situation, so consult your insurance provider before making any changes to your policy.

Question 14

What is the cheapest insurance for full coverage?

Accepted Answer

Full coverage can be expensive due to its inclusion of multiple types of coverage, with specifics varying by provider. The cheapest full coverage isn’t offered by a single company; rates depend on various factors, so it&#8217;s essential to compare different providers before choosing one.
To expand your knowledge, consult our comprehensive handbook titled &#8220;Auto Insurance for Different Types of Drivers&#8221; for essential insights.

Tag: alternates to comprehensive coverage

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Full Coverage Auto Insurance in 2025 (What All Drivers Should Know!)

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Tag: alternates to comprehensive coverage

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Full Coverage Auto Insurance in 2025 (What All Drivers Should Know!)

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