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If you are a car owner, you must have already checked out dozens of offers from the reliable insurance companies to insure your car. Still, not every tempting offer is safe. There is the first thing you should know about the cheapest full coverage car insurance. Furthermore, such packages can contain dozens of hidden fees or not cover some common types of accidents.

That’s why it’s crucial to read the documents thoroughly and ask about all kinds of coverage cases beforehand.

Speaking of the full coverage car insurance, it’s divided into several parts:

  1. Liability coverage guarantees to compensate the damage that you as an initiator of the accident caused. While it even protects the other person in the accident, it doesn’t protect you.
  2. Collision coverage offsets the damages caused by the crash after the deductible is paid.
  3. Comprehensive coverage compensates the gaps the collision insurance doesn’t cover (theft, vandalism or weather damage).
  4. Uninsured/underinsured driver insurance guarantees the compensation in the case if somebody else initiated an accident and his insurance can’t regulate it.

There are things that can influence the full coverage car insurance quotes:

  1. Vehicle model
  2. Driving record
  3. Credit score
  4. Age and gender
  5. Home address, namely location

P.S.: Be careful with long-term auto loans.