Understanding the difference between full coverage and liability only car insurance is beneficial whether you’re buying a car or considering a change in your car insurance plan. These two kinds of insurance cater to drivers’ needs in different ways. Specialists at the Saucon Insurance Agency serving Bethlehem, PA, are here to guide you.

At Saucon Insurance Agency, we believe strongly in customer service. We clarify doubts and offer our clients detailed explanations of different policy options. We aim for you to comprehensively understand your coverage, enabling you to make informed decisions while selecting a policy.

What’s Full Coverage Auto Insurance?

Full coverage auto insurance is a comprehensive package that combines multiple types of auto insurance to provide the policyholder with an array of benefits. It includes liability insurance, collision insurance, and comprehensive insurance.

Full coverage auto insurance covers your car repair costs after a collision, regardless of who’s at fault. Moreover, if your car gets stolen, full coverage insurance reimburses you for the loss. It also extends roadside assistance if your vehicle breaks down.

What’s Liability Only Car Insurance?

Liability only car insurance covers the repair or replacement costs of the other driver’s vehicle when you are at fault. This is the minimum insurance required in most states.

Which One Is Right for Me?

Typically, consumers opt for full coverage for new or high-value vehicles. Drivers usually use liability only insurance for older vehicles or those with less monetary value. However, your lender will mandate full coverage insurance if you have a car loan.

Need auto insurance? Reach out to Saucon Insurance Agency serving Bethlehem, PA. We can assist you in finding the appropriate policy for your needs. We’re here to help!