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For those experienced customers, the term may not be surprising anymore, but first-time buyers may easily fall for it without asking questions. To help you understand what the term actually means, here are some things you need to know.
It is not specific
Cheap full coverage auto insurance does not specifically refer to certain types of coverage. Although many insurance companies use the term very often, each of them may refer to a completely different meaning and it is possible for customers to interpret it in many different ways. There is no insurance policy that explicitly uses the term.
The actual core of full coverage
There are actually only three things included in full coverage; they are the state minimum requirements (property damage and bodily injury), comprehensive, and collision. In other words, you can indeed get cheap full coverage auto insurance, but you may still need to purchase more to optimize protection. Any car insurance estimate should include at least the state requirements. Depending on your circumstances, however, the coverage is probably not enough, leading you to purchase both comprehensive and collision.
Online calculation
Many websites provide free car insurance estimator with which you can do an approximate calculation of premium. In case the online tool offers cheap full coverage auto insurance, you will see that it does not include all the available types of coverage.
Extra coverage
It is interesting when company offer cheap full coverage auto insurance. Customers should always ask for an explanation to understand what is covered and what is not. Even when an insurance agent clearly states “full coverage”, some extra protections will not be included, for examples:
- Towing: it is a coverage that provides towing service in case you car is damaged on the road. With this coverage, you do not have to pay for any additional towing services. Some companies may call this “road assistance”
- Rental reimbursement: during repair, you will need another car to take you to work or somewhere else. With rental reimbursement, an insurance company pays for the cost until your car is properly fixed and road-legal again.
Such additional coverage requires more premium cost. Compare the cost differences between companies by using auto insurance calculator online.
Where it usually goes wrong
Cheap full coverage auto insurance can be interpreted in different ways. Some may assume that this will include all the basic coverage along with extra ones, but it is wrong.
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