When reviewing your auto insurance options for the first time or at renewal time, you’ll have the opportunity to purchase full coverage. Why should you consider purchasing full coverage? Because, what is covered by basic auto insurance is, frankly, minimal.
When you purchase car insurance, you're faced with an important question: Should you choose liability or full coverage car insurance? The answer: It depends. Each driver’s needs are unique and choosing the best insurance options should take these needs into consideration. For example, if you own an old car with a low value, it may not be worth investing in full coverage as your annual premiums may be higher than what you would receive as payment from a claim should your car be totaled.