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It pays to shop around for auto insurance.

Comparing Car Insurance Coverage

You need car insurance. Every state requires liability coverage, so carrying a certain amount of coverage is non-negotiable. If you stick to the minimum required amount, the financial repercussions could be devastating if involved in an accident or theft. Therefore, the next step is to decide how much additional protection you need. Most industry experts suggest carrying full coverage car insurance because you have complete protection. In addition to liability insurance, you will receive comprehensive and collision coverage as well.

You may be wondering, is full coverage worth it? After all, nobody likes paying for something needlessly. To make it easier for you to decide, we have compared full coverage against various individual types of coverage to help you determine the appropriate level of protection.

Is Liability Coverage Enough?

In order to cut costs, many drivers will settle for just liability insurance; however, this doesn't protect the driver at all-it only covers damages to others involved. Therefore, if a driver opts out of full coverage, it is valuable to at least be protected by either comprehensive or collision insurance as well. If a policyholder's vehicle is being financed, it is not possible to have collision insurance without comprehensive. For owners who are not financing their vehicle, it can sometimes be more affordable to repair or replace an older car than file a claim. In this case, collision and liability insurances are adequate.

Consider Adding Comprehensive Insurance for Better Protection

Where incidents involving other drivers and accidents that are the driver's fault fall under collision and comprehensive insurance usually refers to non-collision events. Comprehensive insurance is considered physical damage coverage and protects a vehicle from losses that are generally not the driver's fault. With comprehensive cover, damages in theft, natural disaster, and even some animal collisions are protected. Auto-insurers in some states may not cover hail or tree fall damage unless explicitly added to the policy. Auto insurance policies do not cover destruction from a storm or hurricane that is declared a national disaster, or if damages incur as a direct result of a national emergency; instead, these fall under federal insurance.

Full Coverage Comes with Peace of Mind

No coverage is truly complete without collision protection. This valuable coverage pays for the repairs needed of the policyholder's vehicle, even if the policyholder's actions were determined to be the cause of the accident. collision coverage is optional auto insurance coverage, but it can be mandatory if the car is being leased. The financing company requires that borrowers purchase collision coverage as a way of protecting their investments which are the vehicles they are leasing to people.

Finally, Full coverage includes collision coverage, and it is the entire amount of coverage that finance companies require of the people who are leasing their cars. Therefore, part of full coverage will include everything contained in the above description of collision coverage, but it also includes the aforementioned liability and comprehensive protection.