Ask an Agent

Have a question? We're here to help.

Ask an agent for free

Question

What's the difference between collision and liability, versus full coverage?

My car is paid off but is worth between $25k and $30k. I had to carry full coverage while I made payments on it but want to see what my options are now. What's the difference if I were to get liability insurance with collision and comprehensive, versus just full coverage?

Oct 16, 2025 Sikeston, MO

Answer

Author profile picture
Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance (AINS)
  • Professional Risk Consultant (PRC)
  • Associate in Insurance Services (AIS)

Thanks for reaching out to The Zebra!


This is a great question. Insurance terms can be really confusing. The term "full coverage" can mean a lot of different things.  So when you purchase liability, uninsured liability, and comprehensive and collision then you and your vehicle are covered if you are involved in a covered claim regardless of fault. This is typically the type of insurance you will want to purchase to make sure that if your vehicle is involved in an accident that it would be covered once you pay your deductible (if applicable). 


There are also a lot of other optional coverages that many people consider full coverage, like rental car coverage.  This type of coverage would provide you with a rental car in case that you were involved in an accident.  Many insurance companies even offer glass coverage in the event that a piece of gravel cracks your windshield or something like that. Every insurance company has a variety of additional coverages you can add to your policy, we insurance nerds call these endorsements. You can call and speak to one of our Licensed Insurance Agents to get a personalized quote for you at 888-444-8949 and we can explain all the available coverage options that we have available to you.


Hope this helps!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

What is the statute of limitations for filing a GEICO claim?

Because of this, I recommend getting an estimate for the repairs prior to filing a claim. If the value of the repairs is less than the rate increase you would receive plus your deductible (so, $2,080 + $500 to $1,000), I recommend repairing the vehicle yourself. check our handy claims calculator to…
Aug 8, 2025 Barre, VT

Who really handles my claim, my agent or National General?

That’s a great question! Many companies (like National General) work with independent agents, which is convenient but can also be slightly confusing. Your independent agent is your main contact for getting your policy set up, making changes, and filing a claim. Once that claim is submitted, though,…
Oct 28, 2025 Springfield MO

Am I still covered for liability coverage if I drive my car in a parade?

Yes, you should be covered for liability while driving in a parade. Many people who drive in parades tend to have classic or modified vehicles which often require different types of insurance coverage, but under your circumstances I don't think that would be required. Still, you may want to check w…
Aug 4, 2023 Santa Claus, IN

Should I contact the police and insurance company days after I rear ended a car?

It is unlikely that the other driving contacting the police days after the accident will result in any citation. Unless they were called to the scene, they probably won't even be able to write an accident report. In the majority of rear-end crashes, the driver in the back is normally considered at-…
Jul 28, 2021 Omaha, Nebraska