Full coverage car insurance guide
An ASU finance expert weighs in on the pros and cons of full coverage car insurance.
Isys Morrow
In this article published Jan. 15, 2026, on Wallet Hub:
In my experience, once you have an older car with higher mileage that's already paid off, it often doesn't make sense to pay for full coverage. A minor fender bender might not even cover your deductible, so you could be spending more on insurance than the car is worth. That said, always keep liability coverage as it's required in most states and protects against bodily injury and medical expenses up to certain limits.
— Todd J. Altomare, instructor of management and entrepreneurship
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