What Does Freeway Full Coverage Auto Insurance Cover?
An ideal package for most drivers, Freeway full coverage insurance combines liability coverage with comprehensive and collision coverage.
Written by Zachary Morgan
Reviewed by Kathleen Flear
It’s one of the oldest questions in the book—“Should I buy full coverage for my car insurance policy or just stick with liability?” Strictly adhering to your state’s minimum requirements is certainly your
cheapest car insurance
option, but not necessarily your best. To help you stay better protected, Freeway offers a variety of coverage options, including what many people would call a full coverage car insurance policy. Let’s break down what that includes—and whether it’s the right choice for you.
What does Freeway full coverage insurance cover?
To be clear, “full coverage” isn’t a specific type of insurance, and in fact there is no official definition of
full coverage
. So when you hear that phrase, be aware that the exact meaning could vary. However, in general, it’s referencing a policy that includes at least three types of coverage: - Liability insurance:Legally required in almost every state, liability coverage pays for medical bills and vehicle repairs for other drivers if you’re at fault in an accident.
- Collision insurance:Freeway collision coverage pays to fix or replace your vehicle if it’s damaged in a collision with another vehicle or a stationary object.
- Comprehensive insurance:Comprehensive insurance pays to repair or replace your vehicle if it’s stolen or damaged by something other than a collision (e.g. fire, flood, wind, vandalism, hitting an animal, or falling objects).
A Freeway full coverage plan would therefore contain
bodily injury liability coverage
, property damage liability coverage
, collision coverage, and comprehensive coverage. Under such a plan, your vehicle, your wallet, and (most importantly) you will be protected from a wide range of unfortunate circumstances—from minor fender benders to major accidents to stolen catalytic converters
, even.MORE: Freeway Insurance acquires Texas-based AutoPartners
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes full coverage really cover everything?
We’ll admit that the name is a bit misleading, because no, full-coverage insurance does not cover everything under the sun. To get the maximum amount of protection, you’ll have to purchase other coverages.
Full coverage is called “full” because it makes it easier for car insurance companies to distinguish from basic liability. A critical difference between the two is that unlike liability coverage, full coverage allows you to file claims for your personal vehicle. This is why lenders usually require you to purchase full coverage for a leased or financed vehicle—it’s in their best interest to make sure the car is protected!
Don’t worry, though, because Freeway has plenty of other coverages to choose from. If you think your full-coverage policy could still use some bulking up, go ahead and peruse the table below to see if anything strikes your fancy.
Other types of Freeway auto insurance coverage
Type of coverage | Description |
|---|---|
Freeway uninsured/underinsured motorist coverage protects you in the event of a collision with another driver that has no insurance or not enough insurance. Covers medical bills, lost wages, and occasionally damages to your vehicle. Might be a legal requirement in some states. | |
Freeway Medical payments (MedPay) coverage will help to cover medical and even funeral costs if you, a passenger, or a family member are hurt in a car accident. | |
Once you drive a new car off the lot, it loses an estimated 10% of its value, meaning that you owe more than the car is worth. Gap insurance covers the difference between your car’s actual cash value and the amount remaining on your loan if you accidentally total the vehicle. | |
Roadside assistance coverage from Freeway is a useful and budget-friendly add-on that covers towing, fuel delivery, tire changes, lockout services, and even mechanical work at the breakdown site if you run into car trouble on the road. | |
Customized parts and equipment coverage protects any non-standard add-ons you might have added to your vehicle, like a new stereo or paint job. |
Freeway mostly deals in car insurance, but as of 2020 they also offer home and renters insurance, health insurance, and motorcycle insurance.
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Is full coverage car insurance from Freeway worth it?
If you have a good driving record and a
good credit score
, then full coverage insurance from Freeway is worth adding to your policy—but you should still shop around to see if you can find a better rate from another insurance provider first. No US state legally requires full coverage insurance, but it’s a
common requirement from auto lenders
—meaning that you’ll probably have to spring for full coverage if you’re driving a leased or financed vehicle. Still, even if you completely own your vehicle, full coverage is typically worth the price of admission since it protects you from a total loss
. Unless you’re driving an old beater only worth a few grand, the pros of paying for full coverage far outweigh the cons of not having it.Benefits of full coverage Freeway car insurance
While carrying full coverage auto insurance from Freeway, you will:
- Meet all criteria from your lender or leasing company
- Enjoy peace of mind during severe weather or while in high-crime areas
- Have the ability to file a claim for a totaled vehicle
If you have a nice car or live somewhere where the weather is bad, crime is rampant, or traffic accidents are common, full coverage is definitely worth adding to your policy.
Drawbacks to full coverage Freeway car insurance
Conversely, there are a few drawbacks to having full coverage insurance. For example:
- Full coverage costs more than regular liability insurance
- Your premiums will go up after a claim
If you’re concerned about whether or not you can afford full coverage, you could always check to see if you qualify for any discounts. Freeway offers multiple ways for you to save money, like a discount for taking a defensive driving course or a
student away at school discount
.Does Freeway have the best full coverage auto insurance?
We wouldn’t go quite that far—as a matter of fact, most full coverage policies are pretty much the same from company to company. So what is different, then? Auto insurance rates.
To accurately and competitively set their rates, insurance companies assess a very wide range of data—age, location, driving record, marital status, credit score, and everything in between is closely scrutinized. However, they don’t all use the same formula, so quotes can vary widely from company to company even for the exact same coverage level. If Freeway’s algorithm is partial to your unique profile—because of your
clean driving record
and good credit, for example—then you would probably find the best rate with them.It’s also entirely possible that a totally different company—say
Allstate
, GEICO
, or Nationwide
—could give you a better rate on the same coverage level after taking your driving history and credit score into consideration. It all depends on your personal driving metrics and the specific insurance company you’re looking at.Case in point, young drivers and
drivers with DUIs
are two groups that usually have a hard time finding good rates with most insurance providers. They might not be able to find a feasible rate with Allstate or GEICO, but Freeway would be a great option for them since the company has committed itself to providing insurance coverage to high-risk drivers with poor driving records.Another major Freeway appeal is their excellent communication and customer service skills, which has led to both a high degree of customer satisfaction as well as an A+ rating and accreditation from the Better Business Bureau (BBB). Part of this can be attributed to their commitment to insuring the uninsurable, but it helps that an estimated 70% of Freeway insurance agents are multilingual. This helps them to better serve their established client base, of which an estimated 50% identifies as Hispanic or Latino.
If you want to figure out which insurance company is the best for you specifically, you should compare at least three to five car insurance quotes from a few different companies. You can get a quote by calling a Freeway agent or use a mobile broker to compare real-time insurance premiums from multiple companies.
The bottom line
Freeway insurance is great for those high-risk drivers out there who might have a hard time finding a competitive rate with other insurance companies. Whether you’re a young driver who just got their license or an older motorist trying to get back on the road after an accident, adding Freeway full coverage insurance to your policy is a great way to stay protected.
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FAQs
At what point is full coverage not worth it?
There’s no specific cutoff, but if you drive a high-mileage vehicle that’s not worth much, full coverage may not be worth it. If the cost to replace your vehicle would be less than the premium for full coverage, it isn’t worth it.
What is the difference between full coverage and liability coverage?
Liability coverage, which pays for medical bills and vehicle repairs for other drivers when you’re at fault, is the most basic kind of car insurance and the bare minimum included in any policy. Full coverage, on the other hand, includes collision and comprehensive coverage in addition to liability.
What is a deductible?
Your car insurance deductible is the amount you have to pay on a claim before your collision or comprehensive coverage kicks in. Most of the time, deductible refers to collision and comprehensive coverage, but it can also apply to personal injury protection and uninsured motorist property damage.
