Finding the best deals on affordable full coverage car insurance is essential for drivers seeking comprehensive protection while staying within budget. Full coverage car insurance is designed to cover a variety of incidents, protecting you from financial losses due to accidents, theft, or natural disasters. In California, for instance, the average cost of full coverage is approximately $1,904 per year, which translates to about $159 per month1. With several options available, it’s possible to secure budget-friendly full coverage car insurance that meets your needs without breaking the bank. Geico offers the cheapest full coverage at just $124 per month2, making it a smart choice for cost-conscious drivers. By comparing various plans, you can save significantly while enjoying peace of mind on the road.
Understanding Affordable Full Coverage Car Insurance
Many drivers wonder what is full coverage car insurance and how it differs from basic liability coverage. At its core, full coverage car insurance typically combines various elements to provide comprehensive protection. This includes essential features like liability, collision, and comprehensive coverage, ensuring that you are protected against a wide array of potential incidents.
What is Full Coverage Car Insurance?
A full coverage policy generally encompasses three primary types of coverage: liability, which is required in nearly every state; collision coverage, which pays for damages to your vehicle after an accident; and comprehensive coverage, which protects against non-collision incidents such as theft or natural disasters34. Understanding the components of full coverage is crucial, as it helps consumers select the most suitable policies tailored to their needs.
Key Components of Full Coverage
The key components of full coverage insurance include bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. When considering full coverage car insurance quotes, remember that your premium can fluctuate based on several factors such as your driving history, the type of vehicle you drive, and the coverage limits you choose5. For instance, if your auto insurance premium amounts to 10% or more of your car’s value, exploring a liability-only policy could be beneficial3.
| Coverage Type | What It Covers | Is It Required? |
|---|---|---|
| Bodily Injury Liability | Injuries caused to others in an accident | Yes (Most States) |
| Property Damage Liability | Damage to another person’s property | Yes (Most States) |
| Collision Coverage | Damage to your own vehicle after an accident | No |
| Comprehensive Coverage | Theft, vandalism, and non-collision damage | No |
| Uninsured Motorist Coverage | Protection against drivers without sufficient insurance | Varies by State |
Recognizing these components of full coverage will empower drivers to choose the right level of protection while seeking out affordable comprehensive car insurance options that meet their specific needs. By assessing multiple insurance providers, individuals can find competitive rates and receive appropriate coverage for their vehicles. Finding the right policy not only saves money but also provides peace of mind while driving when comparing rates and understanding what you are paying for35.
Why You Need Full Coverage Car Insurance
In today’s fast-paced driving environment, having affordable full coverage car insurance is essential. It provides critical financial protection in case of an accident, covering repair costs for your vehicle and any damages you may cause to others. For example, in Texas, the average monthly cost for a liability policy that covers bodily injury, property damage, and uninsured motorist is around $62. When adding collision, comprehensive, and personal injury protection (PIP), the total jumps to $153 per month6. Without full coverage, drivers risk substantial out-of-pocket expenses, especially as the average collision claim hit $5,010 in 20216.
Financial Protection in Accidents
Full coverage insurance typically consists of three core components: liability car coverage, collision car insurance, and comprehensive car insurance. Many lenders require borrowers to have full coverage on financed vehicles to safeguard their financial interests7. Opting for the best value full coverage car insurance helps mitigate the risks associated with owning a vehicle. Not only does it protect against financial burdens resulting from accidents, but it also eliminates the concern of lacking essential coverage, especially for new vehicles that typically may require comprehensive plans due to their higher costs7.
Peace of Mind While Driving
Driving with full coverage gives you peace of mind, allowing you to feel secure knowing you are protected from various unforeseen incidents. For many young drivers and urban residents who face higher risks, this aspect of coverage becomes even more vital. When considering the costs associated with full coverage, it’s important to note that while it may cost around 64% more than liability-only coverage8, the resulting protection is often worth the investment. In particular, the safety assurances provided by comprehensive protection give drivers confidence, fostering a more enjoyable driving experience.
To explore how to find such policies, consider checking guidelines and advice at finding affordable options that align with your specific needs678.
Factors Influencing Car Insurance Costs
Understanding the factors influencing car insurance costs is vital for anyone looking for low cost full coverage auto insurance. Among the significant elements are your driving history and the type of vehicle you own. These aspects not only dictate your premiums but also influence your overall insurance experience.
Your Driving History Matters
Your driving history is one of the most critical determinants of your insurance rate. A clean driving record can lead to cheaper premiums, while incidents such as accidents or speeding tickets can drive costs higher. For example, drivers with poor credit (below 580) pay about 69% more for car insurance than those with exceptional credit scores (800 or above) from 2011 through 2021910. It is essential to maintain good driving habits to qualify for the cheapest full coverage auto insurance options available.
The Role of Your Vehicle Type
The vehicle type you drive can significantly impact car insurance rates as well. Luxury and high-performance cars tend to have higher premiums due to increased repair costs and a higher likelihood of theft. Conversely, vehicles known for their safety can lead to lower insurance costs. Each state has varying full coverage insurance premiums, showcasing the importance of vehicle selection when considering the costs of low cost full coverage auto insurance910.
| Vehicle Type | Typical Annual Premium |
|---|---|
| Luxury Cars | $3,000 |
| Standard SUVs | $1,800 |
| Compact Cars | $1,200 |
| Electric Vehicles | $2,500 |
Choosing the right vehicle can help you secure the cheapest full coverage auto insurance possibilities in the market9.
How to Find Affordable Plans
Finding the best affordable full coverage car insurance requires a strategy built on informed decision-making. Key to this process is comparing car insurance quotes from different providers. It’s essential to engage with various insurers to uncover options that fit your specific needs.
Comparing Multiple Car Insurance Quotes
One of the most effective ways to identify affordable full coverage car insurance quotes is by examining rates from multiple companies. This helps in pinpointing competitive offerings that may provide savings. For example, Travelers has consistently been recognized for offering the cheapest full coverage car insurance at an average rate of $93 per month, which is significantly below the national average of $108 per month11. By gathering and comparing these costs, you may uncover discounts that are tailored to your situation, such as multi-car or good driver discounts that could lower your premium further.
Utilizing Online Tools and Resources
To streamline your search for the best deals, utilizing online tools and resources is invaluable. Websites such as NerdWallet provide comprehensive analyses of various insurers, allowing users to quickly compare policies and rates from over 24 companies. These platforms simplify the process of comparing car insurance and help highlight potential discounts that might otherwise go unnoticed. When using these online resources, drivers can effectively find the best affordable full coverage car insurance that meets their individual needs and build a solid understanding of different.
By taking advantage of these digital resources and completing a thorough comparison, you pave the way to achieving substantial savings on your car insurance1213.
Top Insurers for Full Coverage Policies
When considering full coverage car insurance, it’s crucial to explore the top providers in the market. These companies not only offer competitive rates but also provide various options tailored to different customer needs. Below, we delve into the offerings from Geico, State Farm, and Progressive, highlighting their unique advantages.
Geico: A Leader in Competitive Pricing
Geico consistently ranks among the best for affordable premiums, averaging around $176 per month in states like Alabama, where the average is $35514. With 16 possible discounts available, including those for safe driving and good students, Geico aims to make full coverage accessible for various drivers. It is noted that Geico provides some of the cheapest full coverage auto insurance options, making it a favorite among budget-conscious consumers.
State Farm: Personalized Coverage Options
State Farm offers a distinct approach with a focus on personalized coverage options. The insurer provides the cheapest full coverage insurance at $134 per month, which is $41 lower than the national average of $17513. With various discounts available for safe drivers and bundled policies, State Farm creates tailored solutions for individuals looking for reliable and affordable protection.
Progressive: Flexible Payment Plans
Progressive stands out for its flexible payment plans, catering specifically to drivers with varying financial situations. With a reputation for competitive rates, Progressive allows customers to customize their policies without sacrificing essential coverage. The availability of multiple discounts, such as auto-pay and continuous coverage, further enhances the affordability of Progressive full coverage14.
Discounts to Look For
Finding affordable full coverage car insurance can be enhanced by taking advantage of various discounts offered by insurance providers. Understanding the types of savings available is key to reducing overall premiums while maintaining essential coverage.
Bundling Policies for Discounts
Bundling policies, such as combining your auto insurance with home insurance, can lead to significant savings. Insurers like Geico provide substantial full coverage car insurance discounts for customers who choose to bundle their policies. A multi-policy discount can be as high as 25% when insuring both a vehicle and a home through Geico15. This not only simplifies managing your insurance but also effectively reduces your overall costs.
Safe Driving Discounts
Maintaining safe driving habits can significantly impact your insurance premiums. Many insurance companies reward drivers with discounts for having clean driving records and for taking defensive driving courses, which can further lower your risk profile16. Geico encourages policyholders to stay accident-free by offering lower premiums for those with no accidents or traffic violations15. By fostering safe driving, you not only ensure your safety on the road but can also make substantial savings on your affordable full coverage car insurance.
Utilizing every possible discount such as safe driving rewards and bundling policies is crucial in achieving the most economical insurance rates available17.
The Importance of Shopping Around
When it comes to securing the best rates for budget-friendly full coverage car insurance, the importance of shopping around cannot be overstated. Many drivers may not realize that rates differ significantly across insurance companies due to varying pricing formulas, which often leads to substantial potential savings.
How to Conduct a Thorough Comparison
Start by comparing car insurance quotes from multiple providers. Research shows that 76% of consumers have saved money by shopping around for insurance, making a compelling case for why drivers should not settle for their current rates. Those with poor credit could, for instance, save an average of $1,643 annually simply by exploring their options, which is a significant amount when considering the average cost of full coverage auto insurance in the U.S. for such drivers, which is around $3,398 each year18.
Comparison Table of Savings by State:
| State | Potential Annual Savings for Poor Credit |
|---|---|
| Michigan | $3,494 |
| New Jersey | $3,764 |
| Texas | $1,848 |
| Rhode Island | $2,850 |
Timing Your Insurance Renewal
Strategically timing insurance renewal is another crucial aspect to consider for effective budgeting. Companies often implement price optimization strategies that can mean loyal customers face rate increases over time. Therefore, it is wise to reassess your coverage a month or two before your current policy expires. This practice not only allows drivers to negotiate better rates but also positions them to take advantage of competitive pricing, especially since premiums are expected to rise by 8.4% in 202319. Don’t overlook the differences in charges related to the timing of changes in employment or residence, as these factors can also influence premiums20.
This proactive approach will help ensure you are getting the best possible deal on your auto insurance181920.
Customizing Your Full Coverage Policy
Personalizing your full coverage car insurance is essential to ensure it meets your unique needs. By carefully selecting deductibles, you can significantly influence your premium costs. Typically, a higher deductible results in lower monthly payments, while a lower deductible can increase premiums. Understanding your personal financial situation is crucial during this process. Many drivers must consider factors like driving habits, vehicle type, location, and budget when determining the right deductible level21.
Selecting the Right Deductibles
When selecting deductibles, it’s vital to strike a balance between affordability and adequate protection. Higher deductibles can provide initial savings on monthly bills yet might lead to significant out-of-pocket expenses following an accident. It’s advisable to calculate potential costs in various scenarios to determine what level of risk you are willing to accept.
Optional Coverages to Consider
Beyond the standard components of full coverage car insurance, many insurers offer optional coverages that can enhance your policy’s value. Options such as roadside assistance, rental car reimbursement, and even gap insurance can provide added security and peace of mind. For example, roadside assistance can save you in emergencies with services like towing and flat tire changes22. Although these optional coverages may slightly increase your monthly premium, the benefits they provide can outweigh the costs, especially in unforeseen circumstances.
Customizing your full coverage policy not only involves selecting the right deductibles but also understanding which optional coverages align with your lifestyle. Avoid common mistakes such as underinsuring to save money or skipping necessary coverages. Always revisit and adjust your policy when significant life changes occur to maintain suitable protection levels21 and22.
To learn more about affordable comprehensive car insurance and how to tailor your coverage effectively, you can check out various resources like this guide on affordable auto insurance.
The Role of Credit Scores in Car Insurance
Credit scores significantly influence car insurance rates in numerous states. Many insurers consider a high credit score as a marker of responsible financial behavior, which often leads to lower premiums. Conversely, drivers with insufficient credit may face substantially higher costs. For instance, on average, drivers with poor credit pay 113% more for full coverage car insurance compared to those with excellent credit. This stark difference typically translates to an annual cost increase of over $1,7002324.
Understanding How Credit Impacts Rates
The correlation between credit scores and insurance premiums is evident in the numbers. Research shows that individuals with better credit histories are less prone to file claims, resulting in lower rates for those responsible consumers. For example, the national average annual premiums reveal that drivers with poor credit pay around $4,801, whereas those with excellent credit enjoy rates as low as $2,20024.
Tips for Improving Your Credit Score
Improving your credit score can have a profound impact on insurance costs. There are several effective tips for improving credit score that drivers can utilize. Paying bills on time, reducing existing debt, and avoiding new inquiries are practical steps that can foster a healthier credit profile. Notably, elevating your credit score from poor to average may lead to potential savings of about 20% on car insurance, averaging $600 annually23.
Evaluating Customer Reviews and Ratings
When evaluating car insurance companies, understanding customer reviews plays a pivotal role in selecting the right provider. Consumers should focus on specific aspects within these reviews to make informed decisions. The key indicators include claims satisfaction, response times, and ease of accessing support. Analyzing full coverage car insurance reviews can help to identify which insurers consistently deliver quality services.
What to Look for in Reviews
Look for detailed customer accounts that emphasize the claims process. Reviews highlighting the efficiency of claims support can clarify how well a company handles difficult situations. Drivers prefer insurers that boast high satisfaction ratings, especially when it comes to processing claims. For example, USAA Auto Insurance stands out for offering military members significant savings and high scores in customer satisfaction and claims handling25. Similarly, valuing considerations such as the number of discounts available is essential; Farmers Auto Insurance provides over 23 different car insurance discounts, which may greatly appeal to budget-conscious drivers25.
The Importance of Claims Support
Robust claims support remains vital in driving customer satisfaction. Auto-Owners, for instance, has been recognized for offering affordable full coverage options while managing fewer customer complaints, which indicates effective claims support practices26. When selecting full coverage insurance, understanding an insurer’s approach to claims assistance can significantly affect overall happiness and retention. Evaluating claims support should involve considering metrics like response times and overall service quality—insights that reflect a company’s commitment to its customers27.
| Insurance Company | Annual Full Coverage Cost | Customer Satisfaction Rating |
|---|---|---|
| State Farm | $1,141 | High |
| Farmers | $2,084 | Medium |
| GEICO | $1,885 | High |
| USAA | $1,044 | Very High |
| Travelers | $1,754 | Best Overall |
This overview of customer reviews and ratings helps guide consumers in making informed decisions when choosing car insurance providers27.
Understanding State Coverage Requirements
Every state in the U.S. mandates specific insurance coverage for drivers. Understanding these state coverage requirements is essential for safeguarding your financial well-being while on the road. Most states require liability coverage, which protects against damages and injuries inflicted on others. Additionally, comprehensive and collision coverage are typically optional but are often included when discussing full coverage car insurance28
Minimum Coverage Requirements by State
Minimum coverage requirements can significantly vary. For instance, New Hampshire uniquely does not mandate car insurance for its drivers. In Florida, only liability coverage for property damage and personal injury protection is necessary29. States like Maine have specific medical payments coverage requirements, while a majority require uninsured/underinsured motorist coverage. This variability emphasizes the importance of being informed about your particular state’s laws to avoid the risks of uninsured driving.
Implications of Driving Without Insurance
Driving without insurance can lead to severe consequences. Financial penalties are common for uninsured drivers, which may include hefty fines or even loss of driving privileges. In the unfortunate event of an accident, uninsured drivers are often held fully responsible for all damages incurred. This responsibility underscores the risks of uninsured driving and highlights the necessity of maintaining adequate, affordable full coverage car insurance2829. Choosing to ignore the legal requirements can result in long-term financial burden and liability.
| State | Liability Requirement | UM/UIM Coverage | Medical Payments Coverage | Unique Policies |
|---|---|---|---|---|
| Florida | Liability Coverage Only | No | Not Required | PIP Coverage Required |
| Maine | Liability Coverage | Yes | Required | N/A |
| New Hampshire | Not Required | No | Not Required | N/A |
| Virginia | Liability Coverage | Yes | Not Required | Uninsured Motorist Fee Option |
Common Misconceptions About Full Coverage
Many drivers hold misconceptions about full coverage car insurance, believing it provides unlimited protection. Understanding full coverage car insurance means recognizing that it combines liability, collision, and comprehensive coverage but still has specific limits and exclusions based on the policy terms. This is crucial for ensuring adequate protection30.
Clarifying What “Full Coverage” Means
Full coverage does not cover intentional damage or regular wear and tear. This often leads to misunderstandings about the necessity of full coverage. Evaluating whether you need full coverage can depend on the age and value of your vehicle, as well as your driving habits and financial situation. For newer or high-value cars, the necessity of full coverage may be justified, while older vehicles might not require it, allowing drivers to save on premiums through minimal liability coverage3031.
Do You Really Need Full Coverage?
The decision to opt for full coverage should consider various factors, including the potential out-of-pocket costs after accidents. Buying only the minimum amount of liability coverage can lead to higher expenses if disagreements or serious accidents occur31. For instance, it’s advised to maintain at least $100,000 in bodily injury protection per person and $300,000 per accident. Additionally, while some may think their health insurance could negate the need for medical payments coverage, it’s important to remember that unexpected costs can still arise. Understanding these nuances fosters informed decisions regarding coverage and may help find the best value full coverage car insurance for your needs303132.
Tools for Managing Your Car Insurance
Managing your car insurance effectively can greatly enhance your experience as a policyholder. Today, many insurers provide innovative tools for car insurance that facilitate easy access to essential features. This approach allows you to take control of your insurance management seamlessly.
Mobile Apps for Easy Access
Mobile applications from insurance providers have revolutionized the way consumers handle their car insurance. Engaging in managing car insurance with apps enables users to quickly check policy documents, access payment histories, and monitor claim statuses. For instance, Geico’s app includes a Vehicle Care tool that assists drivers with maintenance schedules and service histories, ensuring you stay on top of your vehicle’s needs33.
Online Account Management Features
Online account management significantly enhances the flexibility of insurance customers. With online management features, policyholders can promptly adjust coverage options, pay bills, and submit claims at their convenience. This availability of tools for car insurance through online platforms keeps customers organized and informed about their policies. Numerous studies indicate that top insurers prioritize digital tools for a more satisfying customer experience, which sets them apart in the competitive insurance market3433.
| Insurer | App Features | Customer Satisfaction |
|---|---|---|
| Geico | Vehicle maintenance, easy claim submissions | Above average ratings in multiple regions |
| State Farm | Three dedicated car insurance apps | Highest in customer satisfaction in the Southwest |
| Allstate | Discount management, claims tracking | Ranks above average for auto claims satisfaction |
| Jerry | Rate comparison from over 50 carriers | Positive feedback on ease of use |
How Life Changes Can Affect Coverage Needs
Life transformations, such as adding new drivers or moving, often necessitate adjustments in your insurance policy. For new drivers, the increased risk profile often results in higher premiums. Teenagers usually face substantial rate hikes due to limited experience behind the wheel35. Adjusting policy for new drivers enables more appropriate coverage while considering discount opportunities such as good student performance or safe driving courses.
Adjusting Policy for New Drivers
When bringing a new driver into your policy, it is crucial to evaluate how this change impacts your car insurance rates. Insurers tend to view inexperienced drivers, such as teenagers, as higher risk, leading to inflated costs35 and potentially exceeding those for experienced drivers. Implementing affordable full coverage car insurance that includes comprehensive and collision coverage will better protect against risks associated with new drivers.
Impact of Moving or Changing Jobs
Relocating can greatly alter your insurance rates. For instance, moving to urban areas, where crime rates and traffic incidents are higher, often results in increased premiums35. Furthermore, job changes affecting coverage should not be overlooked; switching to a profession that qualifies for discounts, such as military or medical careers, may result in savings. Reviewing moving and insurance changes is a vital part of maintaining adequate coverage while ensuring financial wisdom.
| Change | Potential Impact on Insurance Costs | Recommendations |
|---|---|---|
| Adding a New Driver | Higher premiums due to increased risk | Seek discounts; evaluate driving courses |
| Moving to a New Location | Increased premiums in urban or high-crime areas | Review and compare new coverage options |
| Changing Jobs | Possible discounts for specific professions | Inform insurer to evaluate eligibility for lower rates |
| Teen Drivers | Significant increase in premiums | Consider usage of good student discounts |
Awareness of how life events such as these influence auto insurance will help ensure you maintain appropriate coverage while managing costs effectively. Regular evaluation supports smarter financial decisions in the long run3637.
Preparing for the Future with Car Insurance
Being proactive about finances can significantly impact your experience when dealing with car ownership. It’s essential to focus on saving for unexpected car expenses while securing budget-friendly full coverage car insurance. By effectively managing these aspects, you can protect yourself from unforeseen financial burdens that come with auto ownership.
Ways to Save for the Unexpected
Setting up a savings plan specifically for unexpected car expenses can alleviate stress during emergencies. Whether it’s an accident or a sudden repair, having funds set aside provides peace of mind. This initiative allows you to tackle any unexpected situations without resorting to high-interest loans or credit card debt.
Planning for Your Next Vehicle Purchase
Planning for a vehicle purchase involves more than just choosing the right model. Understanding comprehensive car insurance planning is crucial because you should research the average insurance costs associated with potential new cars. This knowledge ensures that you find a budget-friendly full coverage policy that aligns with your financial situation and protection needs. For example, the median annual cost to insure the popular 2023 Toyota RAV4 is $1,652 for a good driver with good credit38. With this information, buyers can strategize their vehicle choices better and manage overall costs effectively.
| Vehicle Model | Average Annual Insurance Cost |
|---|---|
| Toyota RAV4 | $1,652 |
| Subaru Outback | $1,500 |
| Honda Civic | $1,350 |
| Ford Escape | $1,400 |
This detailed comparison illustrates how vehicle model choices can impact insurance budgeting as part of comprehensive car insurance planning. Prioritizing informed decisions now can lead to significant savings later39.
Conclusion: Making Informed Decisions
In navigating the complex world of affordable full coverage car insurance, making informed decisions is pivotal. A comprehensive understanding of what constitutes full coverage—including key components like liability, collision, and comprehensive insurance—will equip you with the knowledge needed to protect yourself adequately on the road. It’s crucial to remember that liability coverage is typically required by law in most states, and full coverage insurance can shield you from out-of-pocket expenses due to unforeseen events such as theft or natural disasters40.
As we wrap up our discussion, consider the importance of strategizing your insurance shopping. By comparing quotes, leveraging online resources, and being aware of available discounts such as those for safe driving or policy bundling, you can uncover the best deals on car insurance tailored to your unique situation41. Remember, understanding deductibles and coverage limits plays a critical role in ensuring that your policy aligns with your needs.
Overall, the intent should be to approach car insurance shopping with a strategy that promotes both savings and adequate protection. With careful research and consideration, individuals can confidently secure insurance that not only meets legal requirements but provides peace of mind as they drive4041.
FAQ
What is full coverage car insurance?
Full coverage car insurance generally refers to a combination of liability, collision, and comprehensive coverage. It provides extensive protection against various risks, such as accidents, theft, and natural disasters, ensuring your vehicle and others are covered.
How can I find affordable full coverage car insurance?
To find affordable full coverage car insurance, it’s crucial to compare quotes from multiple insurers. Utilizing online tools and resources, like NerdWallet and Mercury Insurance, can help you uncover various discounts and options tailored to your needs.
What factors influence my car insurance premiums?
Several factors affect car insurance premiums, including your driving history, the type of vehicle you drive, your credit score, and the coverage options you choose. Maintaining a clean driving record and selecting a safe vehicle can lead to lower costs.
Are there discounts available for full coverage car insurance?
Yes, many insurers offer discounts for safe driving, bundling policies, and specific demographic factors. Programs can vary, so it’s essential to ask your provider about available full coverage car insurance discounts.
How often should I shop around for car insurance?
It’s recommended to shop around for car insurance every year or before your policy renewal. Comparing rates and coverage will help you secure the most affordable option that meets your coverage needs.
What is the significance of choosing the right deductible?
Choosing the right deductible is crucial as it impacts your premium costs. Higher deductibles usually result in lower monthly payments but can lead to higher out-of-pocket costs in case of an accident, so it’s important to consider your financial situation when selecting one.
How does my credit score affect my car insurance rates?
Many insurers consider credit scores when determining car insurance rates. Generally, a higher credit score can lead to lower premiums because it’s seen as an indicator of responsible financial behavior.
What happens if I drive without adequate insurance?
Driving without adequate insurance can result in severe financial penalties, including hefty fines and potential loss of driving privileges. In the event of an accident, you may be liable for all damages, making having affordable full coverage car insurance essential.
