Should You Have Full Coverage Auto Insurance?

First of all, do you even know what full coverage auto insurance is? From the way it sounds, you would think it means you get everything that you need, but it's impossible to make an insurance policy that is going to be absolutely perfect and complete for everyone. True, it's not as complicated and there aren't as many options as other areas, but full coverage isn't the term you should be looking for.
What you want is the right coverage for you. If you get everything available or "full" coverage, you'll be spending a lot of money. You don't have a lot of money to be throwing away this way. What kind of coverage do you need? This depends on many variables.
What kind of car do you drive? The more expensive your car the more your insurance will cost. For example, if you have an old car that isn't worth much, it wouldn't be worth putting collision coverage on. There is also comprehensive insurance, liability insurance, and others. If your car is worth more, you are going to want to make sure it has more coverage, just in case you are involved in an accident or theft because you want to make sure you get enough to repair or replace your vehicle.
How many people are under your insurance policy and how risky are they as drivers? Of course, the more risk a driver poses, the more the insurance premiums will be. For example, a brand new driver, a 16 year old male, will cause higher premiums. Over time the insurance for that driver will go down assuming they do not get into any accidents or get any traffic violations.
Instead of looking for full coverage auto insurance, you should look for your ideal coverage. The ideal coverage for you will be optimum coverage and customer service for an affordable price.