Full Coverage Auto Insurance?

pexels-jéshoots-7433Have you heard the phrase “Full Coverage Auto Insurance” and wondered what it actually covers? Well, you are not alone. We get asked this question all the time. It’s a confusing term, “Full Coverage”,  because it means different things to different people.  It’s not a well defined term, and full coverage is not an actual insurance coverage. Full coverage is  a term used so commonly that everyone thinks it’s an actual item on an auto insurance policy, but it’s not.  Don’t give up yet, Rancho Cal Insurance Services is here to help you understand your auto insurance policy. We want to make this simple and easy, so that you can choose the best auto insurance coverages for you and your family.

First, let’s clear this up. “Full Coverage” is not an insurance coverage listed on your auto policy. You won’t find this term “Full Coverage” on the list of coverages on your auto policy or see “Full Coverage” listed on an auto insurance quote. The phrase “Full Coverage” is usually meant to describe a group of coverages, not just one coverage item.

Most often, “Full Coverage” is interpreted to mean that the policy includes both liability coverage and coverage for the vehicle (comprehensive & collision coverage). Liability coverage is required by the State, comprehensive and collision is not required. “Full Coverage” does not necessarily mean though that the policy also includes uninsured motorist coverage, rental car coverage, roadside assistance, or medical coverage. So many options to choose from, we know, and we are here to help.

As the owner of the car you have choices to make about your coverage. We are happy to explain the coverage options that are available and we can even show you multiple quotes with coverages added or removed. You don’t have to figure it out on your own, we are here to help you.

Rancho Cal Insurance Services would love to help you with your auto insurance. Conveniently located in Murrieta, CA, right near Temecula, Winchester, Menifee, Hemet, and San Jacinto. We have clients located all over the state of California & we can help you too!  Give us a call today for the auto insurance coverage that you want.