Drivers in Alabama are required to buy at least a minimum amount of auto insurance to cover medical costs and repairs if you cause an accident. However, to protect your vehicle, you should maintain full coverage—a combination of comprehensive and collision coverage, along with your liability requirements. If you're on the fence about paying more for insurance, consider the following reasons to maintain full coverage.

Why Do You Need Full Coverage Auto Insurance?

1. To Follow Insurer Requirements

If you finance the purchase of your car with an auto loan, your insurer will require you to maintain full coverage until you've paid it off. This protects their financial interests in the vehicle, so they'll purchase coverage for you and add it to your auto loan if you let your policy lapse. 

2. To Protect Against Driving Accidents

Collision coverage pays for repairs to your vehicle if you should be at fault in an accident, whether it's a collision with another car or a single-vehicle crash with a fixed object. This coverage pays for both cosmetic and mechanical repairs.

Alabama is an at-fault insurance state, so if another driver is at fault in an accident, their coverage is supposed to pay for your repairs. However, they may be uninsured or have limits that don't cover your costs. In that case, you'll need uninsured or underinsured motorist coverage, or you'll have to pay for the damages yourself. 

3. To Pay for Non-Collision Losses

Comprehensive coverage pays for losses that don't occur during an accident. For instance, if your car suffers fire damage, flood damage, vandalism, or theft, your comprehensive coverage pays for it. This will ensure peace of mind and potentially save you money in the long run.

To have an experienced agent help you design an affordable full-coverage auto insurance policy, contact Southern Insurance AL, LLC in Foley. They’re family-owned and have served Baldwin County residents for nearly 30 years. In addition to personal and commercial vehicle insurance, they also specialize in motorcycle, boat, ATV, and RV insurance. Visit their website to message them online or call (251) 943-3340 to request an auto insurance quote.