Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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: Feb 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • Finding cheap full coverage car insurance requires you to compare quotes from different companies
  • Insurance companies will consider risk factors, such as your driving record and how often you drive
  • Other factors can affect full coverage insurance rates, such as the age of your vehicle and your deductible

Shopping for car insurance seems simple enough, but where do you go for cheap full coverage car insurance? The good news is that many of the top companies offer affordable rates for full coverage car insurance.

However, many people wonder if cheap insurance rates will affect the dependability of their coverage. The truth is that having affordable insurance doesn’t mean that you’re making any compromises when it comes to full auto coverage.

Keep in mind that although many insurance companies have cheap full coverage policies, you should also consider what they offer specifically. In this article, we discuss the tools and methods that you can use to make your search a lot easier.

Finding cheap full car coverage will require you to compare quotes from some of the top car insurance companies, some of which include GEICO, Allstate, and Progressive.

We also encourage you to search for free quotes from the top auto insurance companies in your area. Simply enter your ZIP code and begin comparing insurance rates.

Finding Cheap Full Coverage Car Insurance

Searching for cheap full coverage car insurance involves several different factors. Many of the top car insurance companies will offer you discounts and other incentives. However, we want to offer you a few tips before making any decisions:

Understanding the Risk Factors That Can Affect Your Insurance Rates

Companies will assess your driving record, personal information, and other risk factors to determine your insurance rates. For example, if you have a history of filing claims, insurance companies will view you as a high-risk driver.

Listed below are additional factors that can impact your insurance rates:

  • Age and marital status
  • Miles you drive in an average month
  • The year, make, and model of your car

Understanding the risk factors that are relevant to your situation will help simplify the process of searching for cheap full coverage car insurance.

Compare Several Quotes

Shopping for cheap full coverage insurance online will require you to compare quotes to find the most affordable option. With our comparison tool, you can easily look up rates offered by different auto insurance companies. It’s best to compare as many companies as possible.

Consider Your Deductible

A deductible is the amount of money you pay out of pocket towards an insurance claim stemming from a collision or car crash. Raising your deductible will allow you to lower your insurance rates. However, you should assess your financial situation before you consider having full coverage insurance with a higher deductible.

Consider the Age of Your Vehicle

If you own and drive an older vehicle, you should consider scrapping the idea of having full coverage insurance because your car is of low value. In general, older cars are cheaper to insure, especially when it comes to having collision or comprehensive insurance.

Claim Your Discounts

Many car insurance companies incentivize their customers with discounts. For example, having a clean driving record will help you save money on your car insurance rates. Also, installing anti-theft devices in your car can help.

When searching for cheap full coverage insurance, you should also determine if you qualify for discounts. Many of the top insurance companies provide discounts for active military personnel, veterans, and college students.

You can also receive discounts for bundling policies, undergoing a defensive driving course, or paying your entire premium upfront.

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What is full coverage insurance?

Having full coverage insurance means that you’re receiving basic and added protections in your policy. This typically means that your insurance rates are going to cost more than simple liability coverage (which many states require at a minimum).

Full coverage insurance helps pay for car repairs and medical bills caused by car accidents. This is why many motorists opt for full coverage: it provides you with peace of mind knowing that you can resolve any financial liability that stems from a car crash.

In many states, full coverage car insurance also includes MedPay and Personal Injury Protection (PIP):

  • MedPay. This ensures that you and your passengers can receive financial support for any medical treatment after an accident takes place in your vehicle.
  • PIP. In addition to covering your medical bills, PIP also provides you with financial protection for lost wages after missing work due to injuries from an accident.

We also recommend that you do some research and learn about the different types of car insurance coverage. This way, you can better understand what you’re getting and how your policy works.

What does it cover?

Full coverage insurance consists of three crucial components, and they include:

  • Liability insurance. If you are at fault in an accident, bodily injury liability insurance covers the cost of property damage and medical bills for injured parties in the accident.
  • Collision insurance. This will cover the repairs to your own car, but it won’t cover any damage to someone else’s car. Collision insurance is viable for situations where someone else crashes into your car and is responsible for the damages.
  • Comprehensive insurance. This will cover any damages to your car that are outside of your control. Some examples include severe weather, fire, vandalism, falling objects, and animals that run into or hit your car.

Full auto coverage includes a combination of the most common basic insurance coverage.

Do you need full coverage car insurance?

You should always assess your immediate needs before you decide to sign up for cheap full coverage car insurance. You should ask yourself the following questions:

  • How much can you afford?
  • Do you make payments on your car?
  • Can you include other drivers in your insurance coverage?

The answers to these questions should help guide you in choosing your insurance coverage. Always make sure that you’re accomodating your basic needs first and foremost.

Do you need full coverage auto insurance when you buy your car from a dealer?

When you purchase a brand new car, the dealer won’t require you to obtain full coverage insurance. However, when the dealer is helping you finance the car, the situation is a little different.

In many cases, the finance company that’s working with the dealer will require you to have full coverage insurance before the car leaves the lot. This is why you should read the fine print on your loan before you sign off on the agreement.

Can any of this get in the way of obtaining cheap full coverage auto insurance? Absolutely not. If anything, this gives you more reasons to perform a thorough search and determine what’s best for you.

How much is full coverage insurance on a used car?

The key thing to remember about used cars is that the depreciation of their value will make them more affordable to insure. However, even if you do own a used car, we strongly encourage you to compare free quotes from insurance companies.

You also have to be mindful of the fact that some used cars will cost more to insure than others. For example, full coverage insurance for a Porsche built in 2015 is going to cost much more than it would for a 2006 Honda Civic.

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What is cheap full coverage auto insurance with no down payment?

Many insurance companies will require you to pay a deposit, but you can still opt for cheap car insurance with no down payment. This simply means that you won’t have to pay for your first month of insurance to activate it.

Many drivers will pay a large lump sum of money annually (or semi-annually) to cover their insurance costs. However, when it comes to cheap full coverage car insurance with no down payment, you don’t have to pay everything upfront.

The Bottom Line: Cheap Full Coverage Car Insurance

Cheap full coverage insurance should always be available, but you’ll certainly benefit from shopping around and comparing insurance rates. Remember, full coverage includes liability, collision, and comprehensive insurance.

You should also know that certain risk factors can affect your rates, such as your driving history and age. However, there are ways in which you can easily reduce the amount of money you pay on full coverage car insurance.

In addition to price shopping, you can increase your deductible and take advantage of the discounts available to you. You should also consider the age of your vehicle. Used cars are much cheaper to insure, but sometimes it’s not worth having full coverage insurance.

Before you begin your search for cheaper insurance rates, we advise that you gather more information on collision vs. comprehensive insurance coverage. We also encourage you to learn about property damage liability insurance and how it can help you.

You can easily find cheap full coverage insurance online by utilizing our comparison tool. Enter your ZIP code to begin looking at free insurance quotes from some of the top companies in your area.