For many drivers – especially those with new cars – general auto insurance is not enough. A basic policy does not include protection for that car itself. In many states, it only covers repairs and injuries sustained by the other party. It offers protection if courts or the insurance company find you to be not at fault. Suppose you have a new vehicle and want as much protection as possible for it, as well as yourself and your family. In that case, you’ll have to look into full coverage car insurance.
There is some full coverage in every state, and the rules and rates vary from state to state. Each insurer has its terms and conditions. There is a smaller gap between the minimum coverage policies and the full, comprehensive coverage in some states, making it easier to get more protection. In other states, like WY and SD, the gap between minimum coverage and full coverage is more extensive.
Suppose you are a younger driver or a parent who wants to add a teen to your plan. In that case, it will be harder to obtain affordable full coverage insurance. However, there are discounts as some insurers offer savings for individuals who pass approved driving safety courses. Check and see if this option is available in your area. Don’t just look into what the big-name carriers offer, but the smaller, more-localized auto insurance providers as well.
Full Coverage Car Insurance for Vehicle Replacement
Comprehensive coverage is essential if you ever need to repair or replace your vehicle, if things like extreme weather or vandalism damage it, or if someone steals it. Collision coverage is essential if you have a newer car and are worried about getting totaled and want to have peace of mind that it will be repaired or replaced.
Another thing to look into when searching for full coverage car insurance is medical payments and personal injury protection. The former helps pay for your passengers’ or your medical expenses after an accident – it does not matter who is at fault. Personal injury protection, or PIP, helps cover medical expenses during the healing process and other financial losses that might occur due to you being out of work.
PIP insurance is essential if you are the primary source of income in your household. Unfortunately, it is not available in every state, or at least not at an affordable price.
Learn more about full coverage car insurance and your options, as well as discounts, at esurance. It is a valuable source of information and resources for drivers looking for as much coverage they can get at affordable rates.