Before I started shopping for a new policy, I needed to understand what full coverage car insurance actually meant.

🔹 Liability Insurance – Covers damage to other people and property if you cause an accident (required in most states).
🔹 Collision Coverage – Pays for damage to your car after an accident, regardless of fault.
🔹 Comprehensive Coverage – Covers damage from theft, vandalism, weather, and hitting animals (like deer).

Since I have kids in the car most of the time, I wasn’t comfortable dropping collision and comprehensive coverage. I just needed to find a more affordable way to get the same protection.

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How I Found Cheap Full Coverage Car Insurance Near Me

Step 1: Comparing Quotes from Local and National Providers

Instead of sticking with my old insurer, I searched for cheap full coverage car insurance near me online. I started with Ocho.co, which helped me compare quotes from multiple companies in one place.

Here’s where I found the best full coverage options:

1. Ocho.co

🔹 Quick comparison of multiple companies in my area.
🔹 Found policies that were $50–$100 cheaper than my old plan.

2. GEICO

🔹 Known for affordable rates on full coverage.
🔹 Discounts for bundling, safe driving, and military families.

3. Progressive

🔹 Their Name Your Price® Tool helped me adjust my coverage to fit my budget.
🔹 Offered extra savings for bundling with home insurance.

4. State Farm

🔹 One of the best options for full coverage auto insurance near me with strong customer service.
🔹 Drive Safe & Save™ program reduced my premium based on driving habits.

5. The General

🔹 Great for drivers with past accidents or bad credit.
🔹 Offers low down payment options.

6. Liberty Mutual

🔹 Provided one of the lowest full coverage rates for my area.
🔹 Extra discounts for hybrid cars and multi-policy bundles.

I took the top three quotes from this list and compared coverage side by side. The difference in price was shocking—some companies were charging almost double for the same coverage!

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Step 2: Finding Local Insurance Discounts

I learned that local insurance companies sometimes offer better deals than big-name providers. I checked with a few independent insurance agents near me, and some had exclusive discounts that weren’t listed online.

Here are a few ways I saved money on full coverage near me:

✔ Bundling Policies – I combined car insurance with renters insurance for a 12% discount.
✔ Safe Driver Discount – Since I had no recent accidents, I saved an extra 15%.
✔ Low Mileage Discount – Because I mostly drive locally, I qualified for lower rates.
✔ Paperless & Auto-Pay Discount – Switching to electronic billing saved me $5 per month.

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Step 3: Adjusting My Coverage to Lower My Premium

After comparing policies, I noticed a few tweaks that helped lower my full coverage car insurance costs without losing protection:

🔹 Raising My Deductible – Increasing my deductible from $500 to $1,000 lowered my monthly premium by $20.
🔹 Removing Extras I Didn’t Need – Some companies sneak in rental car coverage and roadside assistance that I already had through my credit card.
🔹 Opting for Usage-Based Insurance – Liberty Mutual’s RightTrack® gave me an instant 10% discount for letting them track my driving for 90 days.

By making these changes, I dropped my full coverage premium by over $600 per year!

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The Final Decision: Picking the Cheapest Full Coverage Insurance

After considering cost, coverage, and customer service, I chose a full coverage plan from Progressive. They had the best combination of:

✔ Low monthly payments
✔ Great customer service
✔ Discounts that actually applied to my situation

Switching was seamless—I did everything online, and my new policy started immediately. Best of all, I was able to cancel my old policy and save over $50 per month!

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Final Thoughts: You CAN Find Cheap Full Coverage Car Insurance Near You

If you haven’t compared insurance rates in a while, you might be overpaying without realizing it. Here’s what I learned from my experience:

✅ Never settle for the first quote—prices vary widely between companies.
✅ Check for local discounts—some regional insurers have lower rates than national brands.
✅ Adjust your coverage—raise your deductible or remove extras you don’t need.
✅ Use online comparison tools—Ocho.co helped me find cheaper full coverage in minutes.

By taking the time to shop around and compare, I found the cheapest full coverage car insurance near me—and saved hundreds of dollars per year!

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13 FAQs About Cheap Full Coverage Car Insurance Near Me

1. Is full coverage car insurance worth it?

Yes, if you have a newer or financed vehicle, full coverage protects against accidents, theft, and natural disasters.

2. How much does full coverage car insurance cost?

It varies by location, driving record, and vehicle, but the national average is $1,600 per year.

3. How can I get cheap full coverage car insurance?

Compare multiple quotes, bundle policies, and apply for discounts like safe driver rewards.

4. Can I get full coverage insurance with bad credit?

Yes, companies like The General and Progressive offer affordable full coverage for drivers with poor credit.

5. What is the cheapest full coverage car insurance company?

GEICO, Progressive, and Liberty Mutual often have the lowest rates, but it depends on your location.

6. Does my full coverage policy include roadside assistance?

Not always—some insurers charge extra for roadside assistance.

7. Can I switch full coverage insurance providers anytime?

Yes, but check for cancellation fees before switching.

8. Does full coverage include rental car reimbursement?

Only if you add it—check your policy details.

9. What deductible should I choose for full coverage?

A higher deductible lowers your premium but increases out-of-pocket costs after an accident.

10. How often should I compare full coverage insurance rates?

At least once a year—prices change frequently.

11. Does full coverage cover theft?

Yes! Comprehensive insurance covers theft and vandalism.

12. Is local car insurance cheaper than national brands?

Sometimes! Some local insurers offer better rates and discounts than larger companies.

13. Can I get full coverage on an older car?

Yes, but if your car’s value is low, liability-only coverage may be a better option.

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If you’re looking for cheap full coverage car insurance near you, take 5 minutes today to compare quotes. You might be overpaying without even realizing it—just like I was! 🚗💰