#cheap full coverage auto insurance
Cheap Full Coverage Auto Insurance?
If you re searching for cheap full coverage auto insurance there are a few things you will want to know because auto insurance coverage can vary. I m not going to try and convince you to buy things you don t want. I want you to be able to understand how each company treats coverage differently and so you can find cheap auto insurance with as little hassle as possible.
What Is Full Coverage Auto Insurance?
Car insurance is a confusing thing we have to buy. It comes with various limits of coverage. Since you re not a lawyer, the various coverage options can become very confusing. Plus, insurance agents usually don t have the personality to explain what it means to you. What is full coverage car insurance?
There really is no such thing as full coverage car insurance. Each policy has some limitation or gap. You never really have full coverage . What most people mean when they search for a cheap full coverage auto insurance is they want coverage for everything required by law, coverage for yourself if you’re hurt, and coverage for damage to your car.
What Is A Cheap Full Coverage Auto Insurance Policy?
Coverage required by law usually consists of liability insurance coverage. It protects you when you re at-fault for a car accident. You re required to pay for damages to the people you hurt and their property (cars, homes, fences, stuff) you damage.
Each state has different minimum liability limit requirements. You may also be required to carry uninsured, underinsured, personal injury protection, or medical payments coverage. These pay for injuries to you or your passengers. You will have to discuss what’s required with an agent in your state since these change (and I don’t want to list wrong requirements here).
The car insurance coverage not required by law is the damage to your car, truck, or motorcycle. This is what most people consider the “full coverage” part of their insurance policy. If you want cheap full coverage auto insurance then you will want to make sure have deductibles as high as you can afford. If you have a loan or lease on your car then the highest deductible you will be able to carry is usually $1000. You have to choose a deductible for collision (damage to your car from accidents) and comprehensive (or other than collision coverage. If a tree falls on your car or it gets vandalized.) The higher your deductible the more likely you ll actually have a cheap auto insurance policy.
You can also buy coverage for things like towing and, if your car is new, gap insurance. Gap insurance will pay for the difference between what you owe and the price you paid for the car.
Compare Quotes To Find Cheap Auto Insurance
Each company is different. I recommend you get auto insurance quotes from up to 5 different companies to compare rates and options. This will allow you to really find cheap auto insurance with the most coverage possible.
Click Here To Compare Rates And Full Coverage Options With One Form