A full coverage auto insurance policy provides you with the big three coverage types – liability, collision, and comprehensive insurance. According to data from the National Association of Insurance Commissioners, the average cost of full coverage auto insurance was $815 in 2012.
Fortunately, Wisconsin’s average insurance premiums tend to be much lower, with the average driver paying just $598 for full coverage that same year. If you are in the market for full coverage auto insurance, we want you to know that you do not have to break the bank to afford the protection you need. Continue reading for more information about full coverage and the ways you can save.
What’s the Big Deal about Full Coverage?
Full coverage auto insurance has been around a long time. And while it doesn’t promise 100% coverage, it is the preferred choice of coverage by most American drivers, as it delivers protection for both your money and your car when combined with liability protection. Full coverage typically includes collision and comprehensive coverage, each of which help pay for repairs of your vehicle. New car replacement is available with many companies as well. Keeping both collision and comprehensive rather than just one type of coverage is essential, as each covers damages brought on by different types of events. Collision, for example, covers damages to your vehicle in a car accident, whether you are at-fault or struck by an uninsured motorist. Comprehensive protection, on the other hand, covers other types of damages to your car, such as those caused by fires and natural disasters.
Since there is no way to predict the future, it is never a good idea to drop components of your auto insurance because you think you might not need it. However, it you are looking for ways to save money on your full coverage premiums, we here at Heinen Insurance may be able to help.
Factors that Affect Your Full Coverage Premiums
The last thing you want to do is cut your coverage, but how else can you save on the protection you need? First, know that there are several factors that can affect your premiums. Some of them you can change, whereas others are permanent. For example, you cannot change your age or past driving record, but you can take steps to avoid future citations. You may also notice a change in full coverage auto insurance quotes if you move to a different location since certain areas may be more prone to bad weather, theft, vandalism, or other hazards. Changing the type of vehicle you drive could also have an effect on premiums as certain vehicles cost more to repair or replace than others.
Let Us Shop for You
We cannot stress enough the importance of shopping around for coverage. The same driver could pay very different amounts for full coverage at different insurance companies. That is why we recommend comparing rates from multiple carriers before choosing a policy. Here at Heinen Insurance, we do the comparison shopping on your behalf, searching high and low for competitive rates on full coverage policies. We can help you identify the coverage that is right for you, and help you determine if you might be eligible for any discounts to further lower your premiums.
If you live in the Mukwonago, Oostburg or greater Sheboygan area, let Heinen Insurance help you find a great deal on the full coverage auto insurance you are looking for. Call us today to request your free quote. We look forward to serving you soon.