What Does Infinity Full Coverage Auto Insurance Cover?
Infinity’s full coverage auto insurance is a great option for most high-risk drivers—but is it right for you?
Written by Mariza Morin
Reviewed by Kathleen Flear
Infinity full coverage auto insurance includes basic liability protection, along with collision and comprehensive insurance. If you’ve been deemed a high-risk driver and want the most protection for your vehicle, Infinity’s full coverage is the way to go.
If you’re in the market for a new car insurance policy, you’re probably wondering if you should go with full coverage or basic liability insurance. While the minimum liability coverage required might be the
cheapest car insurance
route to go, it could also leave you in a serious financial bind if you get into a major car accident. Many insurance companies, like Infinity, offer full coverage
auto insurance
policies that include collision and comprehensive coverage for this reason. In this article, we’ll take a closer look at what’s covered under Infinity’s full coverage policy—and if it’s worth it for your needs. Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat does Infinity full coverage insurance cover?
So what’s “full coverage” insurance anyway? While it isn’t one particular type of insurance, a
full coverage
policy generally includes the following three types of coverage: - Liability insurance:Required by law in nearly every state, liability insurance covers the medical expenses and damages of the other driver if you’re at fault in an accident.
- Collision insurance:If your vehicle gets damaged in a collision with another vehicle or a stationary object, collision insurance covers to repair or replace your vehicle.
- Comprehensive insurance:If your vehicle is stolen or damaged by something other than a collision (natural disasters, fire, vandalism, hitting an animal, falling objects, etc.), comprehensive insurance covers to repair or replace your vehicle.
Infinity offers a full coverage insurance policy that includes mandatory
bodily injury liability coverage
and property damage liability coverage
, along with collision and comprehensive insurance coverage. You can count on coverage for both your vehicle and your wallet in case you need to file a claim for anything from a small fender bender to a significant pileup accident on the highway. Does full coverage really cover everything?
No. Confusing—we know! While “full coverage” car insurance might imply that everything is covered, that’s not exactly the case. With this in mind, it’s worth considering other coverage options, too.
Car insurance providers use the term “full coverage” to differentiate it from basic liability, which only covers the other driver’s vehicle if you’re at fault. But with full coverage, you can easily file a claim for your car. That’s why many lenders will require this coverage for financed or leased vehicles—so they can protect their investment!
Infinity offers many other coverage options for customers that can be combined with full coverage for an even stronger insurance policy. Check out the table below for more details.
Other types of Infinity auto insurance coverage
Type of coverage | Description |
|---|---|
Uninsured motorist insurance from Infinity covers medical expenses, loss of wages, and other injury-related losses, along with possible damages to your vehicle if you’re in an accident with another driver who lacks insurance (or whose coverage lacks sufficient funds to address your costs). | |
Medical payments (MedPay) coverage from Infinity will cover medical expenses and even funeral costs if you or one of your passengers are seriously injured in an accident. | |
Infinity DriverClub is the insurance provider’s 24/7 roadside assistance program. Membership is free and you only pay when you use the service. Roadside assistance usually covers towing, tire changes, lockout services, and even mechanical work if you get stranded on the road. | |
Infinity will cover the cost of a rental if your vehicle needs to be in the repair shop after an accident with this add-on service. | |
If you drive for a rideshare company like Uber or Lyft, this type of insurance can help protect you while you’re on the job. |
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Infinity offers home insurance to customers as well if you’re looking to bundle it with your auto insurance policy. Additionally, the California-based insurance company provides business insurance for commercial vehicles and commercial general liability insurance coverage.
Is full coverage car insurance from Infinity worth it?
If you’re a
high-risk driver
having trouble purchasing insurance from other providers, a full coverage car insurance policy from Infinity might be for you. Before signing on the dotted line, you should always compare car insurance rates with other companies. Even though full coverage isn’t a legal requirement, it’s usually
a requirement from lenders
if you’re driving a financed or leased vehicle. But what if you own your vehicle outright? You should still consider full coverage as it tends to be worth the extra monthly cost compared to suffering through a total loss
—unless your vehicle is old or considered low-value.Benefits of full coverage Infinity car insurance
If you purchase Infinity’s full coverage car insurance, you’ll:
- Meet all requirements from your car lender or leasing provider
- Feel calmer navigating extreme weather or high auto theft areas
- Can file a claim for a totaled vehicle if you get in a collision
Full coverage is typically worth the additional expense if you live in an area that’s prone to auto thefts, crashes, severe weather, and vandalism. It’s also a good investment if you own a high-value vehicle.
Drawbacks to full coverage Infinity car insurance
Conversely, there are some drawbacks to a full coverage policy from Infinity. For instance:
- Full coverage insurance is more costly than the minimum liability coverage
- Your insurance premiums will increase after a claim
If you’re concerned that full coverage insurance is too expensive, then ask about car insurance discounts! Infinity offers a multi-policy discount if you’re insuring multiple cars on your policy, a pay-in-full discount if you pay your total annual insurance bill upfront, and more.
Does Infinity have the best full coverage auto insurance?
Not for everyone. Infinity mostly focuses on non-standard car insurance for risky drivers (for example, young drivers and
drivers with DUIs
) who can’t purchase regular policies through other traditional providers due to a poor driving record or claims history. If you don’t fall into this “non-standard” category, you might get a better price on a full coverage policy elsewhere. Every insurance company uses a different set of calculations to determine rates for policyholders based on aspects like demographics, credit score, location, make/model, driving history, and more. If you happen to have a
clean driving record
and good credit, you might score a great deal on full coverage with Infinity.However, it’s important to keep in mind one of Infinity’s biggest weaknesses: customer satisfaction. With a poor National Association of Insurance Commissioners (NAIC) rating, Infinity auto insurance has received more customer complaints than the average insurance company as claims adjusters are reportedly difficult to get ahold of by phone. On the other hand, Infinity has excellent financial strength ratings which refer to the insurance company’s ability to pay out claims to customers when the time comes.
As we mentioned before, comparison shopping is key when it comes to finding savings on car insurance. It will be well worth your time to compare at least three to five car insurance quotes from other insurance providers like
Allstate
, State Farm
, or GEICO
to find the most affordable rates for your budget. You can call an Infinity agent by phone for a real-time quote or get a quote online through Infinity’s website.The bottom line
Infinity can be more expensive than most competitors' rates, specifically due to its focus on non-standard car insurance for high-risk drivers. But if you’re not able to get a full coverage insurance policy with any other provider, then Infinity is worth another look—especially in the unfortunate event that you’ll need to file a claim for damages to your vehicle.
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At what point is full coverage not worth it?
While there’s no specific cutoff, full coverage insurance might not be worth it if you’re driving an older, low-value, or high-mileage vehicle. If the replacement cost for your vehicle is less than the premium for full coverage—it isn’t worth the extra expense.
What is the difference between full coverage and liability coverage?
If you’re at fault in an accident, liability coverage is the most basic insurance that covers medical bills and vehicle repairs for other drivers. Full coverage includes collision and comprehensive insurance in addition to liability for a more robust policy.
What is a deductible?
A deductible is an amount that you must pay on a claim before your collision or comprehensive coverage pays for the rest. Deductibles can also apply to personal injury protection and uninsured motorist property damage.
