Drivers in Columbus Can Save Up to $610 Per Year!
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How RateWire Works
Step One
Share a few details about yourself and your car. Our short form takes just a minute or two and lets us prepare personalized auto insurance quote options for you in seconds.
Step Two
Review your insurance options side by side. Seeing auto insurance quotes from multiple providers in one place makes it simple to choose what fits you best.
Step Three
Lock in lower rates for the coverage you actually need. Reduce your monthly auto insurance costs and put the extra savings toward your next vacation or home project.
Complete Protection for Your Vehicle — at the Right Price
Full coverage auto insurance combines liability protection with collision and comprehensive coverage to protect your vehicle regardless of what happens — whether you cause an accident, get hit by someone else, or your car is damaged by weather, theft, or vandalism.
It's the most complete form of auto insurance available and is required by most lenders for financed or leased vehicles. The key is finding the right carrier at the right price without overpaying for coverage you already have.
What Full Coverage Typically Includes
| Coverage Component | What It Covers | Required? |
|---|---|---|
| Bodily Injury Liability | Other people's injuries if you're at fault | Yes (all states) |
| Property Damage Liability | Other people's property if you're at fault | Yes (all states) |
| Collision | Your vehicle after a collision, regardless of fault | Lender required |
| Comprehensive | Theft, weather, fire, vandalism | Lender required |
| Uninsured Motorist | Accidents caused by uninsured drivers | Varies by state |
| Medical Payments / PIP | Your own medical bills after an accident | Varies by state |
ⓘ Coverage components and requirements vary by state. Confirm specifics with your carrier.
Pros and cons
Advantages
- ✓Safeguards your vehicle investment regardless of fault
- ✓Required for leased or financed vehicles
- ✓Peace of mind for new, high-value, or hard-to-replace vehicles
- ✓Comprehensive covers non-collision events like hail, flood, and theft
Drawbacks
- ✗Higher monthly premium than liability-only policies
- ✗May not be cost-effective for older low-value vehicles
- ✗Deductible applies before coverage pays out on collision or comp claims
- ✗Some add-ons like rental reimbursement and roadside assistance cost extra
Frequently asked questions
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.