FULL COVERAGE AUTO INSURANCE IN SOUTHERN CALIFORNIA
Liability insurance protects other people if you're at fault in an accident, but it won't pay to repair or replace your own vehicle. Felicity Insurance helps drivers throughout Riverside County, San Bernardino County, and surrounding communities add collision and comprehensive coverage so their own car is protected too.
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SERVICE OVERVIEW
What Full Coverage Auto Insurance Covers in Southern California
“Full coverage” isn’t an official insurance term, it’s shorthand for a policy that combines liability insurance with collision and comprehensive coverage. Together, they protect other people if you’re at fault, and protect your own vehicle from accidents, theft, weather, and other damage. At Felicity Insurance, we make sure you understand exactly what’s included before you decide what level of coverage makes sense for your vehicle.
We help drivers throughout Riverside County, San Bernardino County, and surrounding communities decide whether full coverage makes sense for their vehicle, especially newer cars, financed or leased vehicles, and cars they can’t afford to replace out of pocket.
Who Typically Needs Full Coverage:
Financed or leased vehicles (often required by the lender)
Newer or higher-value vehicles
Drivers who couldn't afford to replace their car out of pocket
WHAT'S INCLUDED
Understanding Your Full Coverage Policy
Full coverage is made up of a few different parts working together. Here’s what each one actually does.
Collision Coverage
PROTECTS YOUR VEHICLE IN AN ACCIDENT
Pays to repair or replace your vehicle after a collision with another car or object, regardless of who’s at fault.
Comprehensive Coverage
PROTECTS AGAINST NON-COLLISION DAMAGE
Covers theft, vandalism, weather damage, fire, and hitting an animal, damage that has nothing to do with a crash.
Liability Coverage
REQUIRED BY CALIFORNIA LAW
Covers injuries or property damage you cause to someone else, included as the base of every full coverage policy.
Rental Reimbursement
OPTIONAL ADD-ON
Helps cover the cost of a rental car while your vehicle is being repaired after a covered claim.
Gap Insurance
FOR FINANCED OR LEASED VEHICLES
Covers the difference between what you owe on your car and its actual value if it’s totaled.
Roadside Assistance
OPTIONAL ADD-ON
Covers towing, jump-starts, flat tire changes, and lockout help when you need it on the road.
HOW IT WORKS
Our insurance Process
We look at what’s actually happening with your vehicle and driving history first, and build coverage that fits it.
01
Tell Us What You Need
Share some information about yourself and your vehicle, so we understand what you're looking to protect.
02
Review Your Options
We compare collision, comprehensive, and liability options across carriers and explain the differences in plain language.
03
Choose Your Coverage
Once you know your options, you choose the coverage that fits your vehicle and budget, not the other way around.
04
Get Ongoing Support
As your vehicle or driving history changes, your coverage should keep up. We're available to update, adjust, or answer questions long after your policy starts.
Why Southern California Chooses Felicity
Insurance Guidance You Can Actually Understand
We help individuals, families and businesses find the right coverage with clear, personalized guidance.
Independent & Unbiased
Because we're not tied to one insurance company, we compare options across carriers so you get coverage that fits you, not a sales quota.
Local Southern California Knowledge
We understand the communities we serve, from Riverside County's desert cities to the Inland Empire communities of San Bernardino County.
Multiple Insurance Options
From basic liability to full coverage, we help you compare options across multiple carriers so you understand what's actually available.
Personalized Guidance
We take the time to understand your vehicle and driving history before recommending coverage, rather than offering a one-size-fits-all policy.
Support Beyond the Sale
Our relationship doesn't end once you have a policy. We're available to help with questions, changes and coverage reviews as your needs change.
Simple Quote Process
Get started with a straightforward and convenient quote process.
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Customer Reviews
What Our Clients Says
Felicity Insurance provides trusted Commercial, Auto, Home, Motorcycle and Renters Insurance throughout Southern California. Explore our insurance solutions below to find the coverage that best fits your needs.
REAL-WORLD INSURANCE HELP
Finding the Right Level of Coverage
Liability alone protects other people, not your own vehicle. Felicity helps drivers figure out whether full coverage actually makes sense for their car, based on its value, their loan or lease terms, and their budget.
We can help you:
Financed or leased vehicles
Newer or higher-value vehicles
Deciding between liability-only and full coverage
Adding gap insurance or roadside assistance
WHAT DRIVERS SHOULD KNOW
Full Coverage Isn't One Thing
Know the basics:
Collision vs. Comprehensive Coverage
Liability Coverage
Rental Reimbursement
Gap Insurance
Roadside Assistance
Insurance Education
Guides & Insurance Basics
Straightforward answers to common insurance questions from Southern California drivers, homeowners, renters, riders and business owners.
Frequently Asked Questions
Felicity insurance Answers
Got a question we didn’t answer here? Reach out and we’ll get back to you quickly.
What is full coverage auto insurance?
Full coverage auto insurance generally refers to a combination of coverages designed to provide broader protection for your vehicle and financial responsibilities than liability-only insurance. Felicity Insurance offers full coverage auto insurance for drivers looking for more comprehensive protection.
What does full coverage auto insurance include?
The exact coverage depends on the policy selected, but full coverage commonly combines liability protection with physical damage coverage for the insured vehicle. Your limits, deductibles, exclusions, and covered situations should be reviewed carefully before purchasing a policy.
Is full coverage better than liability-only auto insurance?
Full coverage can provide broader protection than a liability-only policy because it may include coverage for damage to your own vehicle in addition to liability protection. Drivers who are primarily looking to meet liability requirements can compare it with Felicity Insurance’s liability auto insurance options.
Do I need full coverage if I finance or lease my car?
A lender or leasing company may require certain types of physical damage coverage as a condition of financing or leasing a vehicle. If you have a financed or leased car, it is important to confirm the requirements with the lender and discuss the appropriate policy with Felicity Insurance.
Can high-risk drivers get full coverage auto insurance?
Eligibility for full coverage depends on individual underwriting factors, including driving history, vehicle information, and other circumstances. Drivers with accidents, violations, or other risk factors can also review high-risk auto insurance to understand the options that may be available to them.
Can I get full coverage with a foreign driver's license?
Drivers with a foreign license can ask about available coverage based on their individual circumstances. Felicity Insurance provides specialized auto insurance for foreign-license drivers, and customers can discuss whether broader vehicle protection is available for their situation.
Does full coverage include SR-22 insurance?
SR-22 is generally a financial-responsibility filing rather than a separate type of physical damage coverage. If you need an SR-22, you can review Felicity Insurance’s SR-22 insurance options and ask whether the required filing can be combined with the coverage you need.
How can I find the right full coverage policy?
The right policy depends on your vehicle, driving history, location, desired limits, deductible, and other factors. You can review Felicity Insurance’s auto insurance services and then contact the agency for help determining suitable coverage.
How can I get a quote for full coverage auto insurance?
You can contact Felicity Insurance to discuss your vehicle and coverage requirements and request a quote. Call +1 (888) 257-8015 or use the Felicity Insurance contact page to provide your information and ask about available full coverage options.
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