Deciding Between Liability Only Auto Insurance and Full Coverage Auto? What to Know

Car insurance is essential if you own a car. There are many types of car insurance, including full coverage and liability only. If you’re trying to get car insurance, you’ll need to decide which type is right for you.

Southwest Insurance Center in Austin, TX can help. We provide customer service and answer customer questions to make choosing insurance easier. Here’s what you need to know.

Understanding Full Coverage Auto Insurance

Full coverage auto insurance is a type of auto insurance that pays to repair or replace your vehicle under a range of conditions. It will cover your vehicle after a collision, even if you caused the accident. This type of auto insurance will also pay to replace your vehicle if it is stolen or damaged in a number of non-collision-related incidents, including vandalism, fire, or accidents with animals.

What Is Liability Only Auto Insurance?

Liability-only insurance pays to repair or replace the other driver’s vehicle in the event of a collision if you are at fault. This type of insurance meets the minimum requirements for owning and driving a vehicle.

Which One Should I Choose?

Choosing a type of auto insurance can be challenging. Many factors, including coverage amounts, the value of your vehicle, and whether you have an auto loan, must be considered.

If you’re trying to decide which type of auto insurance is right for you, contact Southwest Insurance Center in Austin, TX. We can help! We provide a range of services and can answer your questions about each type of auto insurance. Call today to learn more about liability-only and full-coverage auto insurance and which is right for you.