Car Insurance Can I switch from liability-only to full coverage insurance? View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on August 18, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 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? Used car insurance costs: Most and least expensive models to insure 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 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 On this page Steps to make a switch from liability-only to full coverage insuranceBenefits of full coverage over liability-only coverageConsiderations and costsConclusion Get instant quotes now ! Please enter valid zip Get Quotes