What people mean by full coverage
Typically liability, collision and comprehensive together, sometimes with medical payments and uninsured motorist added. There is no standard legal definition, so always compare the actual coverages listed.
When liability only can make sense
Older vehicles with low market value are the common case: if the payout after a total loss would be small relative to the premium and deductible, some drivers drop collision and comprehensive.
When lenders decide for you
If your vehicle is financed or leased, the lender generally requires collision and comprehensive for the life of the loan, and may require a maximum deductible.
How to compare fairly
Price the same limits and the same deductibles across providers. A cheaper quote with a higher deductible or lower limits is not the same product.
General educational information, not insurance advice or a quote. Coverage terms, availability and pricing are determined by the insurer and vary by state.
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