What is Full Coverage Auto Insurance?

If you want to buy auto insurance you need to know what are the different kinds of coverage that are available and choose the one that best fits your needs and budget. Full coverage auto insurance is a typical way to say that you want to be completely covered with comprehensive and collision coverage.

However full coverage means different things to people, the type of coverage available are liability, personal Injury Protection, Property Damage, Uninsured motorist, collision and comprehensive coverage.

For instance if you buy a car with a loan and the financial company asks for full coverage they mean that you need to have the basic necessary coverage in your state plus comprehensive coverage that will protect your car from any damage when it is not in motion.

However for some auto insurance companies, when you talk about full coverage they understand that you want all the minimum necessary coverage that your state requires you to have.

So full coverage is not really a term that professionals use, because it doesn't have a strict definition, is just commonly used. Instead you should tel you insurance company the kind of coverage that you want and its limits.

Is important that you compare quotes from different companies and ask for special discounts that you may be able to qualify for. For example if you are under 25 years old you should ask for a student discount if you have 3.0 gpa.

You can also reduce your rates if you have a good driving record, not tickets and a good credit score.

But the most important thing is that you buy the right insurance policy and be fully covered from any damage or injuries that you may have to pay for in case of an accident.

By Ray Rubio