{"id":7444,"date":"2024-07-01T06:41:00","date_gmt":"2024-07-01T06:41:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7444"},"modified":"2024-06-29T01:48:48","modified_gmt":"2024-06-29T01:48:48","slug":"affordable-full-coverage-car-insurance","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/affordable-full-coverage-car-insurance\/","title":{"rendered":"Simplifying Full Coverage Car Insurance: Affordable Options for You\u00a0"},"content":{"rendered":"\n

What if giving your automobile the best protection was easier than you imagined? <\/p>\n\n\n\n

Full coverage is the best and most complete type of car policy available. However, many drivers don\u2019t know how this works, and even those who do usually worry about whether or not they can really afford it. <\/p>\n\n\n\n

Do you fall into one of these two camps? Keep reading to discover everything you need to know about full coverage car insurance<\/a> and how to make this robust protection more affordable! <\/p>\n\n\n\n

Understanding Full Coverage Auto Insurance<\/strong> <\/h2>\n\n\n\n

What is full coverage auto insurance, exactly? It\u2019s actually a combination of three types of auto insurance: liability, collision, and comprehensive. <\/p>\n\n\n\n

In most states, a liability policy is required for all drivers. Although it is the cheapest car insurance possible<\/a>, many opt to add collision to protect their vehicle regardless of who causes an accident. Comprehensive coverage is the rarest among drivers because many mistakenly think they don\u2019t need vehicle protection when they aren\u2019t behind the wheel. <\/p>\n\n\n\n

Essential Components of Full Protection<\/strong> <\/h3>\n\n\n\n

To decide if you need insurance full coverage, it\u2019s important to understand the components of this protection. Liability is designed to pay for damage that you might accidentally cause to people and property during an at-fault accident. Collision is designed to pay for repairs to your own vehicle, even if you were the one at fault. Comprehensive is designed to protect the automobile from things like theft, vandalism, falling trees, or other threats that occur when you aren\u2019t driving. <\/p>\n\n\n\n

The Benefits of Full Coverage Car Insurance<\/strong> <\/h2>\n\n\n\n

As you can tell from the descriptions above, the chief benefit of full coverage is that it offers your vehicle the fullest possible protection. Each of the types of protection described above is intended to protect the automobile from different kinds of threats. By getting all three types, you effectively protect your finances from as many threats as possible. <\/p>\n\n\n\n

With that being said, not every possible threat is always covered. Below, you\u2019ll find more details on the potential limitations of such protection. Research carefully so you don\u2019t buy a policy you don\u2019t need<\/a>. <\/p>\n\n\n\n

What\u2019s Usually Covered \u2014 and What\u2019s Not<\/strong> <\/h3>\n\n\n\n

With full coverage, you get the previously described benefits of liability, collision, and comprehensive policies. Some insurers even throw in roadside assistance with full coverage.  <\/p>\n\n\n\n

What, then, isn\u2019t covered? Medical expenses for yourself and any passengers are not covered, though you can purchase a separate policy to cover such expenses. Similarly, uninsured motorist coverage is not mandatory in California<\/a> and is not included in a full coverage package, although it\u2019s worth considering.  <\/p>\n\n\n\n

Decoding Insurance Jargon for the Everyday Driver<\/strong> <\/h2>\n\n\n\n

In addition to the types of policies described above, there is a bit of professional lingo every driver should know. Below, you\u2019ll find this jargon properly decoded, helping you understand more about the coverage for which you are paying. <\/p>\n\n\n\n