Where can I get low cost full coverage auto insurance?

Looking to get cheap full coverage auto insurance quotes? A driver with a good record can find affordable full coverage auto insurance rates of $118/month but the cheapest place to get full coverage insurance depends on many factors.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Things to Remember...

  • All states require you to have at least the minimum coverage auto insurance, though state minimum coverage doesn’t require you to protect your own car from storms and acts of vandalism.
  • Full coverage policies are often purchased for cars that are used as collateral for financing.
  • Full coverage insurance is made up of several different overages, including liability, collision and comprehensive.
  • You need to make sure that the company that you choose is a reputable and dependable company.
  • One of the best ways to find cheap auto insurance with enough coverage is to compare prices.

Do you need to find cheap full coverage auto insurance quotes for your vehicle? All states require you to have at least the minimum coverage auto insurance. However, you might want full coverage, so that you will be protected in every situation.

You need to find the cheapest car insurance possible for the best coverage, but where is the cheapest place to get full coverage insurance rates? Enter your ZIP code into our FREE auto insurance comparison tool to find the best full coverage car insurance rates now!

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.

What is a good price for full coverage car insurance? A driver with a good record can find average full coverage auto insurance rates of around $118/month but if you shop around you might find an even cheaper rate!

Three Components of Full Coverage Auto Insurance

  • 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 to find the most affordable full coverage auto insurance rates.

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.

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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.

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.

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Do You Need Full Coverage on Your Car?

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 Discount 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.

Who Needs Full Coverage Auto Insurance

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.

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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

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.

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.

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Security for Storms and Vandals

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

Who has the cheapest full coverage auto insurance? When comparing prices and searching for the best full coverage auto insurance policy, 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

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.

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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.

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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

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.

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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

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!

Getting Your Record Together

There are many things that you can do to lower your risk profile so that when an auto company looks at you, they will have no choice but to offer you low premiums for full coverage.

Below are some of the things that can be done today:

1. Reporting the right information

Many people miss out on cheap full coverage auto insurance because they do not communicate with their insurance company as they should.

Many life changes often mean discounts on your premium.

Some of these life changes include getting married, having a baby, changing zip codes, lowering the number of miles from a home to work commute, adding an alarm system or a GPS system to the car, and parking the car in the garage.

Make sure that you report to your auto insurance company any of these changes as soon as you undertake them.

Remember, if they will not give you a lower premium after you make these improvements, there is another company that will.

2. Choosing the right vehicle

If you are still in the market for a car, there are certain things that you can do to lower your full coverage auto insurance premium rates.

For instance, getting last year’s model instead of the current year model is an automatic deduction, as many auto insurance companies consider the newer, faster and more powerful models a higher risk.

Also, make sure to choose a vehicle without aftermarket parts, and if it is a used car, make sure that is still under warranty.

Larger vehicles are considered safer. Sports cars and convertibles are considered the least safe. If you are looking for cheap full coverage auto insurance, make sure that you pick the vehicle that is most conducive to this goal.

3. Getting your record straight

Many times, if you have had accidents or tickets in the past, the insurance company will sometimes forget to drop them from your record after city once punishment is up.

Make sure that you do not have any more tickets or accidents on your record than is required by law.

Never Be Afraid to Walk Away

As stated before, the auto insurance industry is one of the most competitive industries in the world. The number one way to get cheap liability auto insurance is to constantly look for the best auto insurance premium. The best cheap full coverage insurance is the policy that best meets your needs at a price you can afford.

The best company offering the best premium will often shift because of the competitive nature of the market.

Take full advantage of this competitive nature by comparing your policy to the market every six months.

If you do this, you are most likely to get the absolute lowest full coverage auto insurance that is on the market at any given time. If you are willing to shop around, you can find cheap auto insurance.

Compare Full Coverage Car Insurance Quotes Online

Who has the cheapest full coverage car insurance rates? To find cheap full coverage auto insurance near you then just enter your ZIP code in on this page.

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

The online quote form is 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.

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Information Needed for Full Coverage Car Insurance Quotes

You will need the following information when getting an insurance quote:

  • Name, address, date of birth, and driver’s license number for all drivers.
  • Make, model, and vehicle identification number for all of your vehicles. (Warning: don’t skip any of them, even if you seldom drive the vehicle.)
  • Coverage you desire and the limits of liability for which you want a quote.

Here are some things to keep in mind before you ask for quotes:

  • Ask for quotes with different limits just to see the difference in premiums.
  • Online quotes will ordinarily break out the premiums per coverage, if they do not – ask.
  • Observe the fine print in the quotations and take the time to research. Attempt to purchase with the mind of a consumer, not someone who is attempting to get the lowest price. You want to save money, but also get the best coverage possible.

The Bottom Line

Quotes vary widely in the insurance marketplace. Recently a quotation was requested for the following vehicle:

2012 Eight Passenger SUV with $100,000/300,000 bodily injury liability; $50,000 property damage liability; $500 deductible comprehensive and collision; and uninsured/underinsured motorists insurance.

The owners are in their 40’s with no traffic violations, an average credit rating, and use the vehicle to commute to and from work.

Premiums vary from $249.00 every six months all the way up to $702.00 every six months. Each of the seven companies that quoted was reputable insurance companies with an appropriate rating with A.M. Best and J.D. Power for stability.

It does pay to get quotations from different companies in your area when seeking insurance. Even if you don’t save a lot of money, you’ll be glad you looked and examined your options.

Insurance companies change their underwriting policies every few years depending upon their profits and losses in certain areas. Keeping a file of past quotes can allow you to ascertain where you might look if your rates increase dramatically in another year or so.

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.

Full Coverage Auto Insurance

Full coverage auto insurance offers additional coverage on top of the minimum liability amount that is required. There are many different parts of full coverage auto insurance:

  • Liability Coverage – This pays for the damage to another vehicle if you are at fault. This also covers the cost if someone else is injured in the accident. You are not protected by liability insurance
  • Collision Coverage – If you collide with another vehicle or object, this type of coverage will pay to repair your vehicle after you have paid the deductible
  • Comprehensive Coverage – Comprehensive coverage will cover things such as theft, vandalism or weather damage. It usually covers the things that collision coverage will not. Some lenders require these types of auto insurance until your loan is paid
  • Uninsured/underinsured driver insurance – If someone else is at fault in an accident and he or she does not have an adequate amount of insurance, this type of insurance will cover the cost

Factors that Influence Car Insurance Rates

Before you compare prices, you need to know the things that will determine the rate you will receive on car insurance.

  • Make and model of vehicle – Sports cars have higher premiums. Vehicles will safety features provide the best rates
  • Credit score – If you have a high credit rating, your premiums will be lower
  • Driving record – You will get a better rate if your record is free from accidents
  • Location of your home – If you live in a larger city where accidents are common and theft rates are high, your premiums will be lower
  • Age and gender – Married females over the age of 25 usually get the best rates

Find a Company that Provides Discounts

Most companies offer certain discounts, so you need to find one that has discounts that will meet your situation. Some of the discounts might include:

  • Multi-vehicle – If you insure two or more vehicles on the same policy, most companies will give you a discount, so your premiums will be lower
  • Multi-policy – If you group all of your insurance policies together, you can get cheaper insurance. Your life insurance, home insurance, health insurance, and car insurance could be with the same cheap auto insurance company, and it will be much cheaper for you
  • Anti-theft – If your vehicle has a car alarm, electronic keys, kill switches, wheel locks or any other anti-theft device, you could receive a discount. The insurance company wants to make sure that you will not be a victim of car thieves
  • Low-mileage – You could qualify for a discount if you put less than 12,000 miles on your car each year
  • Safe driver – If you have never had an accident or if you have taken a safety course, you could be eligible for a discount
  • Good driver – If you have not received a speeding ticket or another traffic ticket, you could qualify for a discount
  • Loyal customer – If you have been with a company for a long period of time, you could receive a long time customer discount

You can save a significant amount of money by asking your agent about possible discounts.

Compare Prices

One of the best ways to find cheap auto insurance with enough coverage is to compare prices. You should obtain quotes from several different companies to see which one will offer you the best deal.

When getting a quote, there are several things that you need to take into account:

  • Deductible – Make sure that all of your quotes contain the same deductible, or you will not get an accurate comparison
  • Coverage – You want to make sure that the quotes are for adequate coverage auto insurance
  • Amount of Coverage – You need to know how much the insurance company will pay if you have an accident. Because you are getting full coverage, you want to make sure that everything is covered

If you should have an accident, you do not want to suffer financial difficulties because you do not have adequate car insurance.

You can find the best deal on auto insurance by comparing companies and prices.

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Make Equal Comparisons of Auto Insurance Policies

One of the tricks for cheap auto insurance is comparing several policies. It is important that these comparisons are with equal policies in terms of policy values and coverage types. Comparing auto insurance providers will require devoting time to researching different policies.

The value of your vehicle also determines how you will compare auto insurance coverage and premiums. Typically, auto insurance companies consider the value of replacing your vehicle after an accident. This value is a significant factor in how much you will pay each month for full coverage.

Starting your research over the Internet is an efficient way to compare different policies. Many auto insurance companies make online shopping easier where you can enter basic information and receive instant feedback and quotes from multiple providers.

Whether you decide to use the Internet or make phone calls, be prepared to provide the same information in order to find the best car insurance rates for the most coverage.

Generally, you must provide your age, gender, location of residence, and driving history. Some auto insurance providers also ask questions about your profession.

In addition to basic personal information, you will provide details about your vehicle. Most providers want to know the make, model and year of your vehicle. The number of miles, VIN and daily traveling distance are also considered in providing a quote.

While auto insurance providers have a list of questions, it is also a good idea to have a list of your own questions. Asking the right questions can save time and money.

Some questions to consider include:

  • What is the actual cash value policy? This is an often overlooked consideration and can lead to sticker shock if your vehicle is totaled. For example, you can insure your vehicle for its value of $20,000. However, by the time you have an accident, the insurance company may value the vehicle at $16,000. This is the amount you will receive, not the original $20,000 value.
  • Do the cheap auto insurance quotes cover original or re-manufactured parts? Generally, buying aftermarket parts for vehicle repairs is not a huge difference, unless you prefer original parts. If this is a concern, it is good to have this information upfront.
  • What are the deductible amounts?
  • Does the insurance company have local agents?

Read the fine print on the free quotes to ensure nothing is hidden in the policy that increases your rate.

Research Companies

You need to make sure that the company that you choose is a reputable and dependable company. Therefore, you need to research possible companies and choose one that you trust.

By just shopping around and looking at several different companies, you will be able to obtain cheaper car insurance. Find the best car insurance now by entering your ZIP code into our FREE comparison tool!

Finding affordable full coverage car insurance can be found if you know where to look. Keep in mind that cheaper is not always the best option. You want to find the cheapest car insurance possible that also has adequate coverage. Therefore, compare prices, and you can save a huge amount of money on full coverage auto insurance.

References:

  1. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  2. https://en.wikipedia.org/wiki/Liability_insurance
  3. https://wallethub.com/edu/comprehensive-vs-collision/10023/
  4. http://www.nolo.com/legal-encyclopedia/when-make-underinsured-uninsured-driver-insurance-claim.html
  5. http://money.cnn.com/magazines/moneymag/money101/lesson22/index2.htm

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