Ask for coverage names, not a nickname
“Full coverage” is a common shorthand, not a promise that every loss is covered. Ask the insurer to list each coverage, its limit, its deductible and its exclusions. That written list tells you much more than the label.
Separate the two main questions
Liability coverage generally addresses covered injuries or property damage you cause to others. Collision and comprehensive address different kinds of covered damage to your own vehicle. A policy can include one kind of protection without including the others.
Collision generally applies to vehicle collisions and certain other impacts. Comprehensive generally applies to non-collision events such as theft, hail or flood, subject to policy terms. Other coverages, including uninsured motorist protection and medical benefits, address different risks and vary by state.
Use this three-question conversation
- “What does this policy pay if I injure someone or damage their property?”
- “What does it pay if my own car is stolen or damaged?”
- “What would I pay myself, and what limits or exclusions apply?”
Write the answers next to the premium. If you cannot explain the difference between two quotes, ask the seller to walk through the same example loss under both.
Check the vehicle agreement
A lender or leasing company may require collision and comprehensive. Check your agreement before removing either. State minimum requirements and a lender’s requirements answer different questions; neither alone tells you which coverage best fits your circumstances.
Further reading: Insurance Information Institute: understanding your coverage. Coverage and eligibility depend on the policy, insurer and state.
Put your questions to work.
Start with your ZIP and continue to the Quote Pro Auto quiz.