Full Coverage Auto Insurance
Drive with confidence. Stay fully protected.
Complete protection for your vehicle, your finances, and your peace of mind — whatever happens on the road.
- Covers damage to your own vehicle
- Protection against accidents, theft, and more
- Built for total peace of mind
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
We compare the auto & home companies you know and trust
What it is
Protection that goes beyond the minimum
“Full coverage” isn’t a single policy — it’s the combination of liability, collision, and comprehensive coverage that protects both other people and your own vehicle.
What it covers
What Full Coverage includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Liability
- Collision
- Comprehensive
- Medical payments
- Uninsured motorist
- Optional add-ons
Is it right for you
Is full coverage right for you?
Full coverage costs more than liability alone, but for the right driver it’s well worth it.
- Your car is newer or still worth replacing
- Your vehicle is financed or leased — lenders usually require it
- You couldn’t comfortably pay to replace your car out of pocket
- You want protection from theft, weather, and not-at-fault accidents
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
What exactly does “full coverage” include?
“Full coverage” isn't a single product — it's liability, collision, and comprehensive bundled together. Liability pays for the other driver's injuries and property when you're at fault; collision pays to repair or replace your own car after a crash; and comprehensive covers non-crash damage like theft, fire, hail, vandalism, and hitting an animal. We usually add medical payments and uninsured/underinsured-motorist coverage so a gap on the other driver's policy doesn't become your problem.
Do I really need full coverage if my car is paid off?
Once there's no lender, full coverage is optional — the choice comes down to whether you could comfortably replace your car out of pocket tomorrow. If a total loss would be a real financial hit, keeping collision and comprehensive is usually worth it; if the car is old and low-value, dropping to liability can make sense. We'll put the annual premium next to your car's actual cash value so the math is obvious before you decide.
What's the difference between collision and comprehensive?
Collision covers damage from an impact — another vehicle, a guardrail, a pole, or a pothole. Comprehensive covers almost everything else that isn't a collision: theft, fire, flooding, hail, falling branches, vandalism, and animal strikes. Each has its own deductible, and you can carry one without the other, though most full-coverage policies include both.
Will full coverage pay if my car is totaled?
Yes — if the repair cost exceeds your car's value, the carrier declares it a total loss and pays the actual cash value minus your deductible. The catch is that “actual cash value” is what the car is worth today, not what you paid or still owe. If your loan balance is higher than that, ask us about gap coverage, which pays the difference so you're not stuck paying for a car you no longer have.
How can I actually lower the cost of full coverage?
The biggest lever is letting us re-shop your policy across multiple trusted insurance companies — the same coverage is often priced very differently from one company to the next. Beyond that, raising your deductible, bundling auto with home or renters, removing duplicate roadside or rental add-ons, and applying every discount you qualify for (safe driver, multi-car, paid-in-full, paperless) all add up. We review the whole policy line by line, not just the headline price.
More auto insurance
Explore other auto insurance options
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
Schedule A Call With A Licensed Advisor
Pick a time that works for you — free, no obligation.
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
- Takes about 60 seconds
- No obligation
- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.