Car Insurance Can I switch from liability-only to full coverage insurance? By Insure.com's Editor | Updated on August 18, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Switching from liability-only to full coverage insurance is entirely possible. Let’s delve into the process and benefits of making this transition. Steps to make a switch from liability-only to full coverage insurance Follow the steps below for an easy transition from liability-only to full coverage insurance: Assess your needs – Consider your vehicle’s value, financial situation, and risk tolerance. If your car holds substantial value or you want added protection, switching to full coverage could be wise. Contact your provider – Contact your insurance company to discuss your intention to switch. They’ll guide you through the process, review your options, and provide quotes. Benefits of full coverage over liability-only coverage Full coverage insurance goes beyond liability only by covering your vehicle’s repairs, regardless of fault. It also provides broader protection against theft, vandalism, and non-collision incidents. Considerations and costs Premium changes – Full coverage insurance generally comes with a higher premium due to its expanded coverage. However, it can be worthwhile considering the increased protection. Deductibles – Review deductible options for full coverage. Higher deductibles might lower premiums but require more upfront payment in case of a claim. Switching to full coverage insurance grants you more comprehensive protection. Evaluate your needs, discuss options with your provider, and choose coverage that aligns with your budget and priorities. Conclusion Transitioning from liability-only to full coverage insurance is a positive step towards broader protection. It’s about tailoring your coverage to your needs and driving confidently, knowing you’re well-covered in various scenarios. Reach out to your insurance provider, explore your options, and make the right switch for you. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes