Do You Really Need A Full Car Coverage Insurance?


If you are a driver and not running on a tight budget, choosing full coverage car insurance is the best option. Undeniably, this type of policy is very expensive, but the policyholder is covered in every aspect of an accident. If you have full coverage car insurance, your insurer will take care of the following:

Your insurer will take care of the hospitalization and medical bills of all the involved parties. This includes yourself, your passengers, innocent pedestrians or bystanders, and all the drivers and passengers of the other party.

  • Your insurer will also handle all the repair costs needed to rectify your car
  • It could also take care of all the repair costs needed by the 3rd party vehicle
  • All the damages involved during an accident, private or otherwise
  • This coverage can also be used for any unforeseen events or calamities such as floods, earthquakes, etc.

As mentioned earlier, this particular type of insurance is nice but in reality, the cost is keeping people from purchasing it. This is the reason why most people resort to alternative coverage or even policies with limited coverage. In fact, many of them are purchasing only the coverage required by the state for a vehicle to be registered. This type of policy can only be used to cover the personal injury, the passengers, and the property damage of the other party. As you may have noticed, personal injuries are not covered in this minimum liability coverage, which is why it is strongly advised to purchase separate policy to take. This additional coverage we are referring to will cover your own medical bills in case of an accident. Another alternative for full coverage insurance is the collision coverage, this will take care of all the expenses needed for your car’s repair needs.

There is no real substitute for a full coverage car insurance and is still being considered as the best of all the insurances out there. Ask your insurer if you are eligible for discounts if you choose to buy this type of coverage for your protection. Nearly all insurance companies reduce the rates for their loyal clients by way of irresistible quotations.

You could qualify as long as your driving history is clean and driving mileage is relatively low. Your mileage tells your insurer how much time you spent on the road, which then equates to the level of risk.

Therefore, if you want to save money on your insurance premiums, it is best to avoid long drives and to limit your driving activities within your immediate community if you can. Also, if you can choose the basic and inexpensive car models with safety devices installed such as anti-theft or alarm systems, so much the better.

Contact your insurance agent and ask for an account review to determine what particular type of discounts your account is worthy. Keep in mind that insurance companies are there to make money out of you, so it’s pretty basic that they don’t send you any notices for anything about price cuts. Lastly, it’s important to remember that all these benefits will disappear if you keep staining your driving records with tickets and moving violations.