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Every car owner in the United States must have auto insurance. In fact, it is illegal to drive an uninsured car to work, to visit friends, or go shopping. Although there are many types of vehicle insurance policies, you should go for one that covers your car against a wide range of possible road mishaps and accidents. This is where full coverage car insurance comes in handy.

What it means to have Full Auto Coverage

The meaning of the phrase cheap full coverage auto insurance varies from one person to another. Even in the auto insurance industry, the meaning of this phrase varies widely. For instance, some insurers state that this coverage refers to comprehensive, collision, and liability insurance covering bodily injuries and property damage. On the other hand, you will come across insurers who state that this type of vehicle insurance includes all of the coverages described above as well as roadside assistance coverage, medical payments, uninsured motorist coverage, underinsured motorist coverage, and loan payoff coverage.

However, it is important to note that the phrase “full coverage” is not an insurance cover in itself. It is simply a phrase used to denote several “coverages” that provide a vehicle owner with substantial insurance protection. To be precise, this includes comprehensive, liability, and collision coverage.

  • Comprehensive Coverage – Comprehensive insurance covers damage to a policyholder’s vehicle. However, this type of auto insurance does not cover damage attributable to collision with another car, vandalism, theft, falling objects, earthquake, or windstorms. Reading this list, one might wonder whether there is car damage that falls under comprehensive coverage. The answer is yes. For example, if you hit a deer while driving, comprehensive coverage will take care of the resulting damage.
  • Collision Coverage – Unlike the coverage described above, collision insurance covers damage to a policyholder’s car arising from collision with another vehicle, theft and vandalism.
  • Liability Coverage – This covers any damage that a policyholder might cause to third parties. This includes property damage, bodily injuries, or any other kind of third party damage. It is wise to find out what your insurer accepts or does not accept as liability coverage.

Vehicle Insurance Domains that fall outside “Full Coverage”

Although cheap full coverage car insurance offers a decent amount of protection, it does not cover every coverage aspect. Some of the coverages that fall outside “full coverage” include:

  • Gap coverage – Gap coverage will pay off your car loan in case it gets involved in an accident while you have not repaid the loan.
  • Medical Payments Coverage – You need this coverage to help offset your medical bills or for other passengers even if the accident was not your fault.
  • Emergency Road Service Coverage – This coverage comes in handy if you require roadside assistance after an accident or car breakdown.
  • Uninsured/Underinsured Motorist Coverage (UM/UIM) – UM/UIM comes in handy if you get into an accident involving a driver with low coverage or no coverage at all.

If you own a car, you should buy as much auto coverage as you can afford. This is because “full coverage” does not cover every possible car insurance angle. Remember failing to insure your vehicle is a criminal offense.

If you’re looking for cheap full coverage auto insurance for your vehicle, use our convenient quote widget at to compare the lowest rates available online!


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