Best Full Coverage Auto Insurance

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Full coverage auto insurance is a type of policy that covers a wide range of damages that can be caused to your car. This includes not just damages caused in an accident, but also other types of damage, such as theft, natural disasters, and fire. In this article, we will take a look at some of the best full coverage auto insurance policies available, and what you should look for when choosing a policy.

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What is Full Coverage Auto Insurance?

Full coverage auto insurance is typically composed of liability coverage, collision coverage, and comprehensive coverage. Liability coverage is the minimum amount of insurance required by law. It covers damages or injuries that you cause to other people or their property.

Collision coverage covers damages caused to your own car in an accident, regardless of who is at fault. Comprehensive coverage covers damages caused to your car that are not related to an accident. This can include theft, fire, natural disasters, and even vandalism.

Full coverage auto insurance is not required by law, but it is highly recommended if you want to protect your investment in your vehicle.

Top Full Coverage Auto Insurance Companies

There are a lot of full coverage auto insurance companies out there, but not all of them are created equal. Here are some of the top full coverage auto insurance companies:

Company
Rating
Benefits
State Farm
A++
Discounts for safe driving, multiple policies, and good grades
Geico
A++
24/7 customer support, mobile app, and a variety of discounts
Allstate
A+
Rewards for safe driving, accident forgiveness, and a variety of discounts
Progressive
A+
Snapshot program for safe driving discounts, accident forgiveness, and various coverage options
Nationwide
A+
Discounts for safe driving, multiple policies, and accident forgiveness

It is important to note that the ratings listed above are from A.M. Best, which is a reputable rating agency for insurance companies.

Factors to Consider When Choosing Full Coverage Auto Insurance

Types of Coverage

As mentioned earlier, full coverage auto insurance typically includes liability, collision, and comprehensive coverage. Make sure that you understand what each type of coverage entails and choose a policy that has the coverage you need.

Cost

Cost is obviously an important factor when choosing full coverage auto insurance. However, keep in mind that the cheapest policy may not always be the best policy. Make sure that you are getting the coverage you need at a price that you can afford.

Deductible

The deductible is the amount that you pay out of pocket before your insurance kicks in. A higher deductible will lower your monthly premium, but it will also mean that you will have to pay more out of pocket if you get into an accident. Choose a deductible that you can afford in case of an emergency.

Discounts

Many full coverage auto insurance companies offer discounts for various things, such as good grades, safe driving, and multiple policies. Make sure to ask about any available discounts when getting a quote.

FAQ

What does full coverage auto insurance cover?

Full coverage auto insurance typically covers liability, collision, and comprehensive coverage. This includes damages or injuries caused to others, damages to your own car in an accident, and damages caused to your car that are not related to an accident, such as theft or fire.

Is full coverage auto insurance required by law?

No, full coverage auto insurance is not required by law. However, liability coverage is required in most states.

How much does full coverage auto insurance cost?

The cost of full coverage auto insurance varies depending on a number of factors, such as your driving record, age, and location. It is important to shop around and compare quotes from different companies to get the best price.

What is a deductible?

The deductible is the amount that you have to pay out of pocket before your insurance kicks in. It is typically a set dollar amount, such as $500 or $1,000.

What discounts are available for full coverage auto insurance?

There are a variety of discounts available for full coverage auto insurance, such as safe driving discounts, good grades discounts, and multiple policy discounts. Make sure to ask your insurance agent about any available discounts.

Conclusion

Choosing the right full coverage auto insurance policy can be a daunting task, but it is an important one if you want to protect your investment in your vehicle. Make sure that you understand the types of coverage available, the cost of the policy, the deductible, and any available discounts. Shopping around and comparing quotes from different companies is also important to get the best price.

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