Full Coverage Car Insurance Plans

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a combination of coverages that work together to protect both you and your vehicle. Whether you’re commuting to work, running errands, or taking your family on a weekend getaway, having the right protection in place helps you drive with confidence. Accidents, weather, theft, and unexpected events can all lead to costly repairs or replacement—but full coverage helps cushion the blow.

This type of auto insurance protection typically includes liability, collision and comprehensive coverage. Though it’s not required by law, full coverage is an optional type of coverage many drivers make for added peace of mind and financial protection. It’s a well-rounded solution designed to help when life on the road doesn’t go as planned.

At InsureOne, we make it easy to explore your options and find full coverage that fits your life and your budget.

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Why Choose Full Coverage Auto Insurance?

Basic liability insurance may be required, but it only goes so far. Full coverage gives you a broader level of protection—helping cover damage to your own vehicle, not just damage you cause in an accident.

Here’s why many drivers make the switch:

• Accidents happen. Full coverage helps pay for repairs or replacement, even if you’re at fault.
• Weather is unpredictable. Hail, floods, and falling trees can cause serious damage—and comprehensive protection helps cover the cost.
• Theft and vandalism are real risks. Don’t get stuck covering the cost of a stolen or damaged vehicle.
• Vehicles are an investment. If yours is new, financed, or essential to daily life, full coverage adds an extra layer of security.

It’s more than just a policy—it’s protection when you need it most.

How Does Full Coverage Work?

Since full coverage is comprised of liability, plus collision and comprehensive, the way it works is a little different. Your liability coverage (at the level you choose as long as it meets state minimums) does not have a deductible and it is used to pay for damages and injuries you cause others in an at-fault wreck.

Both collision and comprehensive have a deductible and the amount of the policy is based on the fair market value of your vehicle. This is because in the event of a total loss, your insurer will pay you the market value of your vehicle minus your deductible. An estimation of that amount can be found at sites such as Kelley Blue Book.

How Full Coverage Auto Insurance Benefits You

If you want to protect your investment, full coverage is the smart choice. Basic liability insurance might meet legal requirements, but it doesn’t help when your car is damaged—or gone. The benefits of full coverage car insurance go beyond the basics—combining comprehensive and collision coverage so you won’t be stuck footing the bill after an accident, natural disaster, or theft.

Coverage for Both You and Your Car

Unlike liability-only plans, full coverage auto insurance steps in to help repair or replace your vehicle after an accident—no matter who’s at fault. That means you’re not left footing the bill if you back into a pole, hit a guardrail, or get into a multi-car collision.

Whether it’s a minor scrape or a major crash, full coverage helps you recover faster with less stress, less financial strain, and more peace of mind. It’s especially valuable if you rely on your vehicle for daily life, have a newer model, or are still making payments on it.

Protection Against Natural Disasters and Theft

Comprehensive insurance goes beyond accidents. It protects your vehicle from the kinds of unpredictable events you can’t always prepare for—like a fallen tree, a hailstorm, a flash flood, or even a break-in. Whether your car is damaged by a wildfire, stolen from your driveway, or vandalized in a parking lot, you’re covered. This kind of protection is especially important if you live in an area prone to extreme weather or if your car spends a lot of time parked outdoors.

FAQs About Full Coverage Auto Insurance

Does Full Coverage Auto Insurance Cover Accidents Caused by Me?

Yes. If you’re at fault in an accident, your collision coverage helps pay for repairs to your own vehicle—something liability insurance won’t cover. That means even if you make a mistake behind the wheel, you won’t be left handling costly repairs on your own. Full coverage gives you the financial backup you need to get back on the road quickly.

Is Full Coverage Auto Insurance More Expensive Than Basic Insurance?

Generally, yes—but for good reason. Full coverage auto insurance includes collision and comprehensive protection in addition to the required liability coverage, offering far greater protection for both your vehicle and your finances. The actual cost of full coverage auto insurance depends on factors like your driving history, location, vehicle fair market value, and deductible. With InsureOne, you can compare options and choose a plan that gives you the best full coverage insurance that fits your needs.

Can I Add Additional Coverage to My Full Coverage Auto Insurance?

Absolutely. Full coverage doesn’t mean “everything”—but it does offer a strong foundation you can build on. You can enhance your policy with optional add-ons such as:

• Roadside assistance for towing, lockouts, and flat tires
• Rental reimbursement to help cover a car rental while yours is being repaired
• Gap coverage to pay the difference between what you owe and what your car is worth if it’s totaled
• Uninsured/underinsured motorist coverage to protect against drivers with little or no insurance

These extras give you even more control and peace of mind—especially if you drive frequently or rely on your vehicle every day.

How Do I Know If I Need Full Coverage Auto Insurance?

If your car is newer, financed, or you rely on it daily, full coverage is recommended. It protects your investment and reduces the risk of major financial loss.

Does Full Coverage Auto Insurance Cover Theft or Vandalism?

Yes. These types of events fall under comprehensive coverage, which is included in most full coverage policies. Whether your car is stolen, keyed, or damaged by someone while it’s parked, comprehensive protection helps cover repair or replacement costs. It also covers damage from natural disasters like floods, fires, and hailstorms—things liability and collision alone won’t touch.

• Several key factors go into determining your premium, including:
• Your age and driving record – Safe, experienced drivers often pay less
• Your vehicle’s make, model, and value – More expensive or high-performance cars cost more to insure
• Where you live – Urban areas with higher accident or theft rates may raise your costs
• Your coverage limits and deductible – Higher limits and lower deductibles typically increase your premium

At InsureOne, our experts help you weigh these factors and build a policy that gives you the best value for your situation.

Can I Switch to Full Coverage If I Already Have Basic Insurance?

Yes—and it’s easier than you might think. Every driver is required to carry at least the state’s minimum liability coverage—that’s why you need minimum coverage before you can legally drive. But minimum coverage only protects others if you’re at fault in an accident. If you want to protect your own vehicle from damage, theft, or weather-related events, upgrading to full coverage is a smart next step. InsureOne agents can walk you through your car insurance coverage options and help you make the switch—often finding you affordable full coverage auto insurance that fits your needs.

Can I Save Money with Full Coverage Auto Insurance?

Yes. While the monthly premium is typically higher than basic insurance, full coverage can actually save you thousands in the long run. Instead of paying out-of-pocket for repairs, replacements, or legal fees, you’ll have a safety net in place when the unexpected happens. Plus, InsureOne offers competitive rates and flexible options, so you can find an affordable full coverage plan that makes sense for your needs.