How to Get Full Coverage Auto Insurance at Liability-Only Prices
Many drivers assume they have to drop down to state-minimum liability to lower their monthly bill. In reality, switching carriers and optimizing your comprehensive/collision deductibles often brings full coverage down to what you were previously paying for bare-bones insurance.
- Pair a $1,000 collision deductible with a $250 comprehensive deductible (which covers windshield chips and weather damage).
- Ask for telematics / safe-driving app discounts that immediately shave 10%–30% off full coverage.
- Remove duplicate medical payments coverage if you already have robust health insurance.