Full Coverage Insurance State Farm

State Farm offers full coverage insurance to protect you from a variety of risks, including both liability and physical damage to your vehicle. With full coverage insurance, you can have peace of mind knowing that you’re protected against the unexpected.

What is Full Coverage Insurance?

Full coverage insurance is a type of auto insurance that provides both liability and physical damage coverage. Liability coverage protects you if you’re at fault for an accident and someone else is injured or their property is damaged. Physical damage coverage, which includes collision and comprehensive coverage, protects your vehicle if it’s damaged in an accident, stolen, or damaged by something other than a collision.

Liability Coverage

Liability coverage is required in most states and helps pay for damages to others if you’re at fault for an accident. Liability coverage typically includes both bodily injury and property damage coverage. Bodily injury coverage helps pay for medical expenses, lost wages, and other damages if someone is injured in an accident. Property damage coverage helps pay for damage to someone else’s property, such as their car, fence, or mailbox.

State Farm offers liability coverage in the following amounts:

Physical Damage Coverage

Physical damage coverage is not required by law, but it’s recommended if you want to protect your vehicle. Physical damage coverage includes both collision and comprehensive coverage.

Collision coverage helps pay for damage to your vehicle if you’re in an accident with another vehicle or object, such as a tree or pole. Comprehensive coverage helps pay for damage to your vehicle that’s not caused by a collision, such as theft, vandalism, or weather-related damage.

State Farm offers the following deductibles for physical damage coverage:

Benefits of Full Coverage Insurance from State Farm

Full coverage insurance from State Farm comes with a variety of benefits, including:

Drive Safe & Save

State Farm’s Drive Safe & Save program provides discounts on your insurance premiums based on how safely you drive. The program uses a telematics device installed in your vehicle to monitor your driving habits, including speed, acceleration, and braking. If you drive safely, you can save up to 30% on your insurance premiums.

Roadside Assistance

State Farm’s Roadside Assistance program provides 24/7 emergency roadside assistance, including towing, jump-starts, lockout service, and fuel delivery. The program is available to all State Farm customers and can be used up to four times per year.

Rental Reimbursement

If your vehicle is damaged in an accident and needs to be repaired, State Farm’s Rental Reimbursement coverage can help cover the cost of a rental car. The coverage is available in daily increments and has a maximum limit of $30 per day.

FAQs

What is the difference between liability and full coverage insurance?

Liability insurance covers you if you’re at fault for an accident and someone else is injured or their property is damaged. Full coverage insurance includes liability coverage as well as physical damage coverage, which helps pay for damage to your own vehicle.

How much does full coverage insurance from State Farm cost?

The cost of full coverage insurance from State Farm depends on a variety of factors, including your driving record, the make and model of your vehicle, and the amount of coverage you choose. Contact a State Farm agent for a quote.

Do I need full coverage insurance?

Full coverage insurance is not required by law, but it’s recommended if you want to protect your vehicle. If you have a new or expensive vehicle, full coverage insurance can provide added peace of mind.

What does full coverage insurance from State Farm cover?

Full coverage insurance from State Farm includes liability coverage as well as physical damage coverage, including collision and comprehensive coverage. It can also include additional coverages, such as roadside assistance and rental reimbursement.

Can I customize my full coverage insurance policy with State Farm?

Yes, State Farm offers a variety of optional coverages that can be added to your full coverage insurance policy, including uninsured motorist coverage, medical payments coverage, and more. Contact a State Farm agent to learn more.