What’s the difference between full coverage and liability only car insurance?

Your vehicle is one of your most significant assets, making it crucial to protect it with the appropriate level of car insurance. When shopping for car insurance, your insurance agent will generally ask you whether you prefer full-coverage car insurance or liability-only car insurance. At the Completely Independent Insurance Agency serving Zionsville, IN, we assist our customers in choosing the insurance coverage that best suits their requirements.

Full Coverage Car Insurance

Full coverage car insurance combines a variety of insurance types to provide maximum coverage in case something happens to your vehicle. Full coverage car insurance typically includes:

• Liability insurance, which covers the repair costs for another vehicle if you’re at fault in an accident.
• Comprehensive insurance, which pays for the repair of your vehicle if it’s damaged in a non-accident related situation, such as a fire or theft.
• Collision insurance covers the repair costs for your vehicle if it collides with an object or another vehicle.

Full coverage car insurance often includes optional roadside assistance, which can cover costs like towing or a flat tire if your car breaks down. If you have an auto loan, full coverage is often mandatory.

Liability Only Car Insurance

Liability-only car insurance covers the repair costs for the other driver’s vehicle if you’re at fault in an accident. It’s the most basic type of automotive insurance and is mandated by law in most states.

Are you looking for car insurance for your vehicle? Are you trying to decide between full coverage and liability only? The Completely Independent Insurance Agency, serving Zionsville, IN, can help. Contact us today to speak with one of our knowledgeable agents and learn more about how our insurance products can meet your needs.