Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 14, 2020

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Key takeaways...

  • Full coverage is really the best way to go when it comes to car insurance coverage, but that doesn’t mean that you have to overpay for it
  • Full coverage is generally considered to be any car insurance coverage beyond the basic coverage required by your state
  • The first thing that can help you to find full coverage at an affordable price is to tailor your coverage to your exact needs
  • Another way to lower the cost of your full car insurance coverage is to increase your deductible. Both collision and comprehensive include a deductible amount that you specify
  • The last method for finding the lowest-priced full car insurance policy is to compare prices

Full coverage is really the best way to go when it comes to car insurance coverage, but that doesn’t mean that you have to overpay for it. Finding cheap full car insurance is a snap if you follow a few tips.

You can get multiple quotes for full car insurance right here once you put your ZIP code in the FREE quote tool above today!

Full coverage is paramount if you want to make sure that you are covered for as many outcomes as possible. While it is more expensive than basic coverage, you will find that it is worth every dime if you ever need it.

Table of Contents

Full Coverage Options

https://www.youtube.com/watch?v=VwxFS9UQb5I

Full coverage is generally considered to be any car insurance coverage beyond the basic coverage required by your state.

Almost every state requires that you have liability coverage to pay for damages and injuries that you cause to others, but most basic insurance has no coverage for your injuries and vehicle damages.

Full coverage usually focuses on addressing the costs of the damages to your car. These damages are usually caused by you or from sources that are outside of human control, such as a storm or a wild animal.

Full coverage will vary from state to state. Some states require coverage such as uninsured/underinsured coverage and personal injury protection, or PIP. If your state doesn’t require these types, then they should probably be part of your full car insurance coverage.

Uninsured/underinsured coverage covers your costs if you are involved in an accident where the at-fault driver has no coverage or too little coverage, and PIP insurance covers medical bills, lost wages, and the like, regardless of fault.

Next, full coverage also includes collision insurance. Collision covers exactly what you would guess it covers: the damages to your vehicle from a collision.

Even if you were at fault, collision will cover the repairs or value of your totaled vehicle from an accident with another vehicle or other objects, such as a tree or phone pole.

If you are at fault, collision coverage is the only option that will pay for your car’s repairs other than your own savings.

The next option with full insurance is comprehensive coverage. Comprehensive covers all of those events that are not covered by collision.

Comprehensive covers damages that generally can’t be traced back to the fault of another person or even to yourself. It covers events such as a falling tree limb, fire, earthquake damage, flood, or hail.

Comprehensive also covers acts such as vandalism, theft, explosions, and even missiles, according to the Insurance Information Institute.

Lastly, there are coverage options such as roadside assistance and rental car reimbursement. Roadside assistance can be invaluable if you are stuck on the side of the road with a flat or if you lock your keys in your vehicle.

It usually also includes towing, which can save you hundreds of dollars if you break down or need a tow after an accident. Rental car reimbursement can also save you a lot of money, as most rental cars start at $30 a day and up.

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Cheap vs. Affordable

When searching for full car coverage, it is important to note the differences between complete insurance coverage that is affordable and inexpensive insurance coverage that acts as cheaply as it costs.

Truly cheap car insurance is usually not worth your money, as it won’t be there for you in the event of a loss.

Cheap car insurance is really just another danger disguised in the sheep’s clothing of insurance coverage.

Sometimes those insurance companies that are offering ridiculously low rates, especially for full coverage, are actually fraudulent.

The researchers at the Coalition Against Insurance Fraud maintain that scam artists pose as insurance agents or even whole companies just to steal your insurance premium payments.

Always check the authenticity of any insurance company with your state’s department of insurance before paying any money.

Secondly, cheap car insurance likely doesn’t provide enough coverage to make you whole after a loss, even if the company is legitimate. Some car insurance companies employ a bag full of tricks that are focused on not paying your valid claim.

They may include language in your policy that excludes many types of accidents, they may reject your claim outright, or they may stall long enough until you are forced to cover your damages just to get back to work and your normal life.

While you can certainly find satisfaction after taking the matter to your state’s department of insurance, it will likely be months or even years before you are fully compensated for your loss.

All in all, cheap car insurance just isn’t worth it. The headaches and stress of doing battle with your insurance company are not worth the savings. Really, the savings from a cheap car insurance company will likely be wiped out by what you will end up paying yourself after an accident or loss.

There are insurance companies out there that provide affordable insurance without the run-around during the claims process.

If you are looking for full car insurance to have peace of mind, then you need to search for affordable coverage from a reputable company rather than cheap car insurance from an unknown source.

Tailor Your Coverage

The first thing that can help you to find full coverage at an affordable price is to tailor your coverage to your exact needs. First, check the fair market value of your vehicle with sources such as Kelley Blue Book or NADA.com.

Fair market value is the actual value of your car if you were to try to sell it today. It takes into account factors such as the age of the vehicle, the mileage, and the condition.

It is important to know the fair market value of your vehicle, as this is what your car insurance company will pay you if your vehicle is totaled or stolen, never to be seen again.

If your car’s fair market value is over $1,000, then you should definitely have full coverage, according to the industry specialists at the National Association of Insurance Commissioners.

Next, you should look for areas of full coverage where you can purchase only minimum amounts or refuse the coverage altogether.

You should only drop options if you have some other insurance or products that offer the same coverage.

For instance, if you belong to a motor club that provides roadside service, such as AAA, then you don’t need to buy towing or roadside assistance with your insurance provider; just make sure that your motor club doesn’t have mileage restrictions or other hidden fees.

Similarly, if you have great medical coverage and accident insurance, then you probably don’t need a large amount of PIP insurance.

Additionally, if you have an extra vehicle that you can utilize while yours is in the shop, then you might not need rental car reimbursement.

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Increase Your Deductible

Another way to lower the cost of your full car insurance coverage is to increase your deductible. Both collision and comprehensive include a deductible amount that you specify.

A deductible is a dollar amount that is your responsibility to pay. Typical deductible amounts range from $250 to $2,000.

Deductibles are meant to encourage responsible driving habits, as more people will avoid dangerous driving behaviors that lead to an accident if they know they will have to pay as well.

Auto insurance is meant to cover high-dollar events that the average person can’t pay for out of their own pocket.

With a deductible, you basically take financial responsibility for damages that equal the dollar amount of your deductible or less.

Increasing your deductible amount will lower the cost of the collision and comprehensive portion of your policy. Just make sure that you really have that amount of money on hand to cover your portion.

If you sustain $3,500 in damages from hitting a deer, and you have a $1,000 deductible, then your car insurance provider will pay $2,500 towards repairs.

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Get Discounts

Another sure-fire way to lower the cost of full insurance coverage is with discounts. Discounts are rewards for good drivers and incentives to stay that way.

There are likely many discounts for which you will qualify, such as for seatbelts, airbags, and having a clean driving record.

Car insurance providers will pretty much automatically qualify you for such discounts, but you should still ask just in case.

Actively searching out additional discounts and taking the steps to qualify for them is a way to really increase your savings from discounts.

First, there is the multiple-vehicle discount. If you and your spouse are on separate car insurance policies, then you should find out if you can get a lower rate for the same coverage by combining your policies with one company.

Another option is to take a defensive driving course. Many car insurance providers have discounts for both young drivers and seasoned operators if they take a driving course that is approved by the state’s department of motor vehicles.

Some even allow for courses that can be taken online. Make sure that the savings from the discount are greater than the price of the course.

Lastly, you can plan to get the discount for anti-theft devices. The discount can range from 5 percent to as much as 20 percent of the comprehensive portion of your car insurance premium.

This discount is broken into two sections: passive and active. Active devices require the owner to remember to activate them, such as car alarms or recovery devices.

You can get this discount simply by installing such a device, though discounts for active devices are generally lower than for passive devices because drivers can forget to activate them.

One passive anti-theft device that costs very little but can generate significant savings is VIN etching.

Basically, your car’s vehicle identification number, or VIN, is etched in the glass of all the windows, rendering your vehicle’s glass worthless to a thief. VIN etching is offered for free by many cities, and a do-it-yourself kit costs around $20.

According to the Michigan Automobile Theft Prevention Authority, VIN etching can get you discounts of 10% or more.

Compare, Compare, Compare

The last method for finding the lowest-priced full car insurance policy is to compare prices. Getting quotes from as many different insurers as possible will prove that insurance companies really do charge vastly different rates for car insurance coverage.

Make sure that you compare quotes for exactly the same amount of coverage.

Additionally, utilize a quote comparison website such as this one to reduce your effort, get multiple quotes, and maximize your savings!

Start your car insurance quote search on this page by placing your ZIP in the FREE quote tool below now!