Every driver has a list of needs and wants when choosing auto insurance. While customization is available across the board, all policies can be separated into one of two categories: full coverage and liability-only. Here's everything you need to know about the benefits of full coverage auto insurance.  

A Guide to Full Coverage Auto Insurance 

What Is It?

Unlike home insurance, base-level auto policies are limited in scope and usually only focus on liability coverage. In most instances, they're set at the state's minimum requirements, which are $25,000 for property damage, $25,000 for bodily injury per person, and $50,000 per accident. While such coverage offers financial protections as a result of at-fault incidents, it’s limited to claims of other parties. Full coverage policies, on the other hand, further cover your property. 

What Does It Include?

There are four main components of a full coverage auto insurance plan: liability, collision, medical, and comprehensive. While liability handles the cost of property damage or injury to others, the personal injury portion of a policy covers the medical expenses of the policyholder. Collision covers all damage and repair costs associated directly with an accident. Comprehensive coverage includes damage resulting from miscellaneous incidents, like theft and storm damage. 

What Can You Add to It?

Full coverage plans are designed to offer protection for the majority of situations. However, there are perks you can add to the policy to customize it to your needs. Roadside assistance is a popular option that helps cover the cost of unexpected repairs or services, such as changing a flat tire or unlocking a vehicle. Other helpful coverage options include gap insurance, towing, and car rentals. 

Looking for a dependable full coverage auto insurance policy? Find the right one for your needs with the help of Ron Nall Agency-State Farm in Andalusia, AL. From home and auto to burial and life insurance, the local agent provides a personalized shopping experience for residents of Covington County. Browse his licenses online or call (334) 222-3106 for a quote.