go auto full coverage, stripped of hype

What it really covers

People say "full," but it's usually liability, collision, and comprehensive packaged together, plus optional uninsured motorist and medical payments. Helpful, yes. Unlimited, no.

How I judge performance

I care less about slogans and more about outcomes under pressure.

• Claims speed: hours, not days, for first contact.
• Repair quality: OEM parts when possible, not mystery aftermarket.
• Rental limits: daily cap and total days actually usable.
• Glass and hail: simple approvals, low hassle.
• Total loss math: fair valuations and fast payoff to the lender.

Real moment: at a slick four-way, a slow roll into a curb bent a wheel. My go auto full coverage replaced the rim and covered alignment after the deductible. The rental cap, though, ran out on day three while the shop waited on parts.

Selection, not slogans

Compare quotes, sure, but read the exclusions and the parts policy. Ask how many certified shops are nearby and whether roadside is included.

Pragmatic caveat: one at-fault claim can nudge premiums up, "full" won't erase depreciation, and some policies won't guarantee OEM on older cars. Set expectations, then pick the plan that performs where you actually drive.