How do I find the cheapest full coverage car insurance rates?

While cheap car insurance premiums certainly sound attractive, it's important not to sacrifice coverage to save a few dollars a month. Comparison shopping online is the only way to guarantee you’re getting the cheapest full coverage car insurance rates for the right amount of coverage. Enter your ZIP code below to compare full coverage auto insurance quotes and more from car insurance companies nationwide.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 30, 2020

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Cheap car insurance is one of the most popular searches online however you need to pay particular attention to the details behind the promise of cheap auto insurance especially when looking for full coverage car insurance.

Anytime you buy something cheap the odds are that the product purchased is also of cheaper quality than higher priced items. Car insurance is no different and while cheap premiums certainly sounds attractive its important not to sacrifice coverage for a few dollars a month.

Learn about full coverage car insurance below and don’t forget to enter your ZIP code to compare cheap car insurance quotes from car insurance companies nationwide!

What is Full Coverage Car Insurance?

Auto insurance is mandatory by law but states only require drivers to obtain very minimum levels of auto insurance. The most common requirement is liability insurance and liability coverage only covers damages / injuries to other people. A full coverage car insurance policy consists typically of:

  • Liability Insurance
  • Comprehensive
  • Collision Coverage
  • Medical Payments
  • Personal Injury Protection

Anytime you see really cheap car insurance quotes you need to focus on the policy details as its not uncommon to get quoted very cheap rates however the policy coverage is nothing more than the minimum car insurance requirements set by the state. If you purchase just the minimum auto insurance required by state law the odds of you getting personally sued in a car accident just went up 10x or more.

Compare Polices Equally

Full coverage auto insurance is pretty important as it provides the financial protection you need for almost all foreseen accidents. From a fender bender to a serious three car pile-up each component of a full coverage car insurance policy can assist in covering your liability. However having full coverage is not enough – you also need respectable levels of coverage.

Let’s say for example you have collision coverage in the amount of $10,000 yet the damages from a car accident exceed $20,000. Sure, you have car insurance but guess what – you don’t have enough car insurance to cover all the damages! Any day now somebody is probably going to sue you for the rest

When looking for a full coverage policy always pay attention to the levels of coverage as sometimes the difference in premiums often corresponds solely to the amount of insurance a particular provider is proposing. Typically a full auto insurance policy has over $100,000 insurance for liability, comprehensive and collision coverage. Some other items to consider when comparing policies by side by side are:

Policy Term: always look at the policy term. While most insurers quote 6 month policies there are some who offer 12 month policies. If you can lock in a longer term at affordable rates its a pretty good idea.

Deductibles: Its possible to compare quotes from several different companies only to realize that quote A has you responsible for a lot more money out of pocket with a higher deductible. Always make sure policy deductibles are the same when comparing potential providers.

Additional Options: Do all you potential options include rental car reimbursement or emergency towing services? While some additional options are not important to many drivers its good to understand everything that is included in your quote.

How cheap is the company?

Its very rare to see Allstate, Nationwide, Geico, State Farm or any of the major car insurance companies use the words “cheap auto insurance” in their advertising. Why? Cheap is a word reserved for flea markets and it doesn’t really say much about the brand. Quality providers use words like affordable, competitive or other terms.

Any insurance provider who advertises cheaper car insurance should probably be red-flagged so make sure you research industry ratings and consumer reviews of any potential auto insurance providers.

How to find the cheapest car insurance rates?

This is the great thing about car insurance as you don’t have to search for cheap car insurance to find the best rates. All you have to do is learn a little more about how car insurance works. Once you can compare policies equally its fairly easy to make an educated decision and choose the best coverage.

You want to pay special attention to car insurance discounts however these vary from one provider to the next and ultimately its your responsibility to ask for discounts. Some of the most popular car insurance discounts available include:

  • Good Driver Discount
  • Multi-Policy Discount
  • Vehicle Safety Discount
  • Multi-Vehicle Discounts
  • Good Grades Discount
  • and more

A good exercise is to make a list of all the common car insurance discounts and ask any potential providers whether or not you qualify for each one. Hey, you don’t know if you can save until you ask.

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