💰Full Coverage vs. Liability Car Insurance

Thinking about switching up your car insurance—or just trying to make sense of it all?

Here’s a quick breakdown:

Liability insurance is the bare minimum most states require. It covers other people and their stuff if you’re at fault—but not your own car. It’s cheaper upfront, but risky if you get into an accident.

Full coverage, on the other hand, gives you protection for your car too. It includes liability, plus collision (accidents) and comprehensive (things like theft, weather, or rogue shopping carts). It costs more, but can save you big down the road—especially if your car is newer or financed.

How to choose? Ask yourself:

• Is your car paid off or still financed?
• How old is it, and what’s it worth?
• Could you afford repairs out of pocket?
• Do you live in a high-risk area?
• What's your monthly budget?

A quick rule of thumb:
If your full coverage premium is more than 10% of your car’s value each year, it might be time to consider liability only.

Want to save money either way?

• Shop around for quotes. Start here.
• Raise your deductible (if you can afford it).
• Bundle policies.
• Look for discounts (like good driver or low mileage).

Whatever you decide, don’t “set it and forget it.” Reevaluate your policy every year to make sure it still fits your life.

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