Full Coverage vs. Liability: What’s Right for Your Car and Budget?

When shopping for auto insurance, one of the biggest decisions you’ll make is whether to go with liability coverage or full coverage. Each option offers different levels of protection, and understanding the difference can help you make a choice that fits both your car and your budget.

What Does Liability Insurance Cover?

Liability insurance generally includes the following:

• Bodily injury liability may cover medical costs and legal fees if you’re at fault in an accident that injures someone else.

• Property damage liability may help pay for damage to another person’s vehicle or property.

Liability coverage is typically more affordable than full coverage, but it doesn’t cover your own vehicle if you’re at fault in an accident or if it’s damaged by theft, weather or vandalism.

What Is Full Coverage?

Full coverage isn’t a specific policy; it’s a combination of insurance protections that includes liability, plus the following:

• Collision coverage may pay for damage to your vehicle from a crash, regardless of fault.

• Comprehensive coverage may cover noncollision incidents such as theft, fire, falling objects or animal-related damage.

Full coverage may be required if you’re financing or leasing your vehicle, and it’s often a smart choice for newer or higher-value cars.

Which Option Makes the Most Sense?

If your vehicle is older and paid off, liability and other state-mandated minimum coverages may be sufficient. But if you rely heavily on your car or couldn’t easily afford to replace it, full coverage might be worth the higher premium. Every situation is different.

At Select Insurance, we help drivers in Anderson, SC weigh the pros and cons based on their budget, vehicle value and daily driving habits. Contact us today to explore your coverage options and make a confident choice.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.