Full Coverage Auto Insurance Quotes

You know you have to have auto insurance, but you may not realize the difference between full coverage and liability. Full coverage auto insurance is a policy that will cover not only liability lawsuit expenses resulting from an automobile accident, but also any costs for repairs and your medical expenses. It will also protect you should you be involved in an auto accident with an uninsured or underinsured driver. But to find an affordable policy, you need full coverage auto insurance quotes.

This type of policy can be obtained on a long-term basis or even month-to-month. There are options available in your price range. Increasing your deductible lowers your monthly costs, but should you ever need to exercise your policy, you will be responsible for more of the costs out of pocket.

In the event that you need your full coverage policy, you should contact the police department so that an official report can be filed. This will be extremely useful when filing your insurance claim. When you call in to make a claim, you will want to supply the agent with as much information as possible, but the specific location, date and time of the incident are the most critical pieces of information you need.

If you do not own your car-that is, if you are still making payments on it-then you definitely want full coverage insurance. In fact, the lending company who granted your car loan insists that you procure this type of coverage on your car.