Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 15, 2011

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One of the necessities when owning your own vehicle is to carry adequate car insurance for protection against accidents. These accidents can happen at any moment and having the right amount of insurance will help you to be able to carry on with your life rather than having to pay large repair and hospital bills. Full coverage auto insurance is one of the different levels of insurance that provides a great amount of protection for different incidents.

Three Levels of Auto Insurance

When it comes to car insurance there are generally three different levels of coverage. There are supplemental insurance policies that can be purchased, but in general, there are three levels. The first is a general liability insurance that provides coverage to only the other parties in the accident. The next level would be the collision insurance policy. This covers both parties that are involved in the accident. Then there is the full coverage auto insurance, or comprehensive auto insurance.

Full Coverage Auto Insurance Details

The full coverage auto insurance policy is the one that most people will carry when they first purchase a car. This is because the full coverage policy will take care of almost everything that can happen to the new car.

If there is an accident while you are driving this vehicle, the full coverage insurance will not only provide more coverage, but also pay off the loan if the vehicle is totaled. However, the coverage does not stop there. If the car is stolen, damaged by a fire, or ruined by animals, the full coverage insurance policy will also protect the owner from any financial obligations.

Who Needs Full Coverage Auto Insurance?

Car insurance is something that people try to get by with the very minimal amount. However, when someone first buys a vehicle they are required by the lending institution to carry full coverage auto insurance during the life of the loan. Anyone who lives in a city atmosphere, or a place where vehicles are stolen frequently, will also want to carry a full coverage policy.

Costs of Full Coverage Auto Insurance

With each of the levels of auto insurance the cost rises. This is the reason that most people only carry the minimal amount. But, what most people do not realize is that they are actually going to be paying more if the insurance coverage they have does not fully protect them for different repairs and accidents. The full coverage auto insurance may cost a little more in the premium, but actually ends up saving people money in the long run.

Purchasing Full Coverage Auto Insurance

The internet has provided a way for people to easily purchase car insurance without a lot of hassle or long interviews. There are websites available to people to visit that will pull together several free price quotes in order to provide a better means of evaluating insurance companies and making an affordable choice. Using this type of website is free of charge and painless, but can lead you towards finding quality full coverage insurance within a few minutes.