If you are looking for cheap full coverage auto insurance, there are many different companies fighting for your business. Full coverage generally means that the state's mandatory liability requirements are covered as well as including comprehensive and collision protection. However, you must always be aware of the terms and conditions of the policy as even full coverage has a limit on the amount that will be paid out and you may find that you will have to meet any costs in excess of that figure.
Another limitation of full cover is that when a vehicle is considered to be a total loss, the insurer will only pay out the current market value of the car irrespective of whether the outstanding loan amount is higher than the estimated value. You will then be responsible for meeting any shortfall. Shop around and compare prices from a range of insurers before committing to buy. Some insurers that will provide full coverage policies are:
- Allstate. A provider of auto insurance to more than 17 million households nationwide,Allstate is one of the United States' biggest insurance companies. Their full coverage policy includes protection against under insured or uninsured motorists as well as medical payments. They also offer additional options such as Personal Injury Protection and reimbursement of rental car fees.
- Nationwide. Eighty years of experience has enabled Nationwide to learn how to tailor their full coverage policies to meet their customer needs. As well as including towing and labor coverage, they also include medical expenses and protection against uninsured drivers. In some states, they also offer no fault protection.
- Progressive. Rated as one of the most flexible insurers, Progressive allow you to tailor their product to provide full coverage with any additional options that suit your lifestyle. Their coverage options include loan/lease payoff and pet injury as well as rental reimbursement and medical payments.
- Liberty Manual. Liberty Mutual have been dealing in auto insurance since 1912 and their full coverage policies offer a variety of options including windshield repairs and unlimited rental coverage. They also provide the option for new car replacement coverage in most states if your vehicle is less than one year old and you are the first owner.
- Safeco Insurance. Safeco Insurance offer a basic level of cover that you can add optional items to in order to build up a full coverage policy. Extra items such as breakdown assistance and new vehicle replacement are also available in some states.
- State Farm. With over 90 years experience in the field of auto insurance, State Farminsures more vehicles in the United States than any other company. Their full coverage options include under insured and uninsured motorist coverage, emergency road service and rental reimbursement.
