Finding affordable auto insurance that offers full coverage can be a daunting task. Full coverage auto insurance provides a comprehensive safety net, including liability, collision, and comprehensive coverage, ensuring that you’re protected against a wide range of risks. However, the cost of full coverage insurance can be higher than liability-only policies. Thankfully, there are providers offering cheap auto insurance without compromising on quality.
In this guide, we’ll explore the best cheap auto insurance providers for full coverage deals, factors to consider when choosing a provider, and tips to save on your premiums.
What is Full Coverage Auto Insurance?
Full coverage auto insurance refers to a combination of insurance types that provide broader protection for your vehicle. It typically includes:
1. Liability Insurance
Covers damages or injuries caused to others if you’re at fault in an accident.
2. Collision Insurance
Pays for damages to your vehicle caused by a collision with another vehicle or object.
3. Comprehensive Insurance
Covers non-collision-related incidents like theft, vandalism, natural disasters, and animal collisions.
While full coverage isn’t required by law, it’s often mandated by lenders if you’re financing or leasing a vehicle. Even if it’s not mandatory, full coverage is a smart choice for those who want maximum protection.
Top Cheap Auto Insurance Providers for Full Coverage Deals
Here’s a look at some of the best insurance companies offering affordable full coverage auto insurance:
1. Geico
Geico is a household name in the auto insurance industry, known for its low rates and excellent coverage options. It’s one of the best choices for drivers seeking cheap full coverage auto insurance.
Why Geico Stands Out:
- Competitive rates for liability, collision, and comprehensive coverage.
- Discounts for good driving records, multiple policies, and vehicle safety features.
- User-friendly tools for managing policies and filing claims online.
Geico offers customizable policies, making it easy to find a full coverage deal that fits your budget.
2. Progressive
Progressive is another top contender for full coverage auto insurance. Its innovative Name Your Price tool helps drivers find policies within their budgets.
Key Features:
- Affordable full coverage options, including gap insurance.
- Snapshot program for usage-based discounts.
- Comprehensive support with online tools and a 24/7 claims service.
Progressive’s flexible coverage and discount opportunities make it an excellent choice for cost-conscious drivers.
3. State Farm
State Farm combines affordable premiums with exceptional customer service. Its full coverage options include collision, comprehensive, and liability insurance.
Benefits of State Farm:
- Discounts for safe drivers through the Drive Safe & Save program.
- Multi-policy discounts for bundling auto insurance with home or renters insurance.
- Access to local agents for personalized support.
State Farm is ideal for those who value personalized service and reliable coverage.
4. USAA
USAA offers some of the cheapest full coverage auto insurance for military members, veterans, and their families. Its policies are highly rated for affordability and customer satisfaction.
Why Choose USAA:
- Low premiums for full coverage auto insurance.
- Discounts for safe driving, bundling policies, and storing your vehicle.
- Excellent claims handling and member-exclusive benefits.
If you’re eligible, USAA is one of the best providers for full coverage auto insurance deals.
5. Allstate
Allstate provides robust full coverage options with additional benefits like accident forgiveness and new car replacement. While its premiums may not always be the lowest, the value-added features make it a strong contender.
Highlights:
- Comprehensive and collision coverage for a wide range of risks.
- Drivewise app rewards safe driving with discounts.
- Multi-policy discounts for combining auto insurance with other policies.
Allstate is a great option for drivers who want full coverage with extra perks.
6. Nationwide
Nationwide offers affordable full coverage auto insurance with unique features like the Vanishing Deductible program, which rewards safe driving.
Key Features:
- Comprehensive and collision coverage at competitive rates.
- Usage-based programs like SmartRide and SmartMiles for additional savings.
- Discounts for bundling policies and having safety features in your vehicle.
Nationwide is perfect for drivers looking for affordable coverage with added rewards for safe driving.
Factors to Consider When Choosing a Full Coverage Provider
Finding the right auto insurance provider requires evaluating several factors beyond cost. Here’s what to consider:
1. Coverage Options
Ensure the policy includes liability, collision, and comprehensive coverage. Additional features like gap insurance or roadside assistance can add value.
2. Discounts
Look for providers offering discounts for safe driving, bundling policies, or equipping your vehicle with safety features.
3. Customer Service
Choose a provider with a reputation for responsive customer support and efficient claims handling.
4. Financial Stability
Opt for an insurer with strong financial ratings to ensure they can pay claims reliably.
5. Online Tools
Convenient online tools for managing policies, filing claims, and accessing support can enhance your experience.
Tips to Save on Full Coverage Auto Insurance
While full coverage auto insurance is more comprehensive, there are ways to make it more affordable:
1. Shop Around
Use comparison tools like The Zebra, Policygenius, or Compare.com to compare full coverage auto insurance quotes from multiple providers. Shopping around ensures you find the best deal.
2. Opt for a Higher Deductible
Choosing a higher deductible lowers your premium, but ensure you can afford the out-of-pocket costs in case of a claim.
3. Take Advantage of Discounts
Ask about available discounts for:
- Safe driving habits.
- Bundling auto insurance with other policies.
- Installing safety features like anti-theft devices.
4. Consider Usage-Based Programs
Programs like Progressive’s Snapshot or Nationwide’s SmartMiles reward low-mileage drivers or those with safe driving habits.
5. Maintain a Clean Driving Record
A clean driving history qualifies you for lower premiums and good driver discounts.
Common Mistakes to Avoid
- Choosing Based on Price Alone While affordability is important, ensure the policy offers adequate coverage and reliable customer service.
- Ignoring Discounts Failing to inquire about discounts can cost you hundreds of dollars annually.
- Providing Inaccurate Information Ensure your details are accurate to avoid discrepancies in coverage or premium rates.
- Not Reviewing Policy Details Understand what’s included and excluded in the full coverage policy to avoid surprises during a claim.
Frequently Asked Questions
Is full coverage auto insurance worth it?
Full coverage is worth it if you want comprehensive protection against a wide range of risks, especially for new or high-value vehicles.
Can I find cheap full coverage auto insurance?
Yes, providers like Geico, Progressive, and State Farm offer affordable full coverage options. Shopping around and leveraging discounts can further reduce costs.
Does full coverage include roadside assistance?
Roadside assistance is not typically included in full coverage but can be added as an optional feature with most providers.
Conclusion
Finding cheap auto insurance for full coverage deals doesn’t mean compromising on quality. Providers like Geico, Progressive, State Farm, USAA, and Nationwide offer competitive rates and robust coverage options. By comparing quotes, taking advantage of discounts, and maintaining a clean driving record, you can secure affordable full coverage auto insurance that meets your needs.
Start your search today using online comparison tools, and enjoy peace of mind knowing your vehicle is fully protected at a price that fits your budget.