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Do I need full coverage on a 2015 Dodge Ram?
"Is there a reason to keep full coverage if I can save money? I pay $300 a month for full coverage on my Dodge Ram, but I can switch to liability for $150 a month."
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The benefit to having full coverage on your vehicle is that it’s protected from damage in most situations.
Comprehensive covers your vehicle if it’s damaged by one of the covered perils in your policy. This usually includes damage from theft, vandalism, hitting an animal, or natural disasters like a flood.
Collision insurance covers your vehicle if it’s damaged by hitting another vehicle or object.
If your vehicle is financed, most lenders require that you carry full coverage. If it’s not financed, you should think about whether you could afford a new vehicle if your vehicle was damaged.
If you couldn’t, it may be a good idea to keep full coverage on your vehicle. Although it costs more upfront, it may save you thousands of dollars in the future.”
View full answer
- Gregory R.
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