Editor
Chris Delgado
Chris Delgado is the editor of Full Coverage Car Insurance Quotes. He worked for eleven years as a physical-damage claims adjuster in Texas, handling collision, comprehensive and total-loss claims, and saw daily how deductible choices and coverage gaps played out when a car was damaged.
He started this site in 2022 to explain the decisions he watched people make without information. He writes the coverage, deductible and vehicle-type guides and reviews every page quarterly.
Chris lives in Dallas, Texas.
- Based in Dallas, Texas
- Covering auto insurance since 2011
- Focus areas: physical-damage claims, total-loss valuation, deductible selection, vehicle rating
- Education: University of North Texas (B.B.A., Risk Management and Insurance)
Guides
Guide
What 'Full Coverage' Car Insurance Actually Means
Full coverage is not a policy type—it is liability plus collision and comprehensive. What is included, what is not, and what lenders mean by it.
Guide
Choosing Deductibles for Collision and Comprehensive
How deductibles work, the savings at each level, why collision and comprehensive can differ, glass deductibles, and the break-even logic.
Guide
When to Drop Full Coverage
The 10% rule and its limits, how to value your car, the comprehensive-only option, and the steps to drop collision without creating gaps.
Guide
Full Coverage Cost by Vehicle Type
How insurers price collision and comprehensive for sedans, SUVs, pickups, luxury, electric and sports cars—repair cost, parts, theft rate and model loss history.
Entries
Entry
Full Coverage on a Used Car: How to Decide
A worked decision for a paid-off used car—value, premium, savings, and whether comprehensive-only is the right middle ground.
Entry
$500 vs. $1,000 Full Coverage Deductible: How to Decide
Compare a $500 vs. $1,000 deductible for full coverage car insurance. See how premium savings, out-of-pocket risk, and break-even math affect your decision.
Entry
Do You Need Uninsured Motorist Coverage If You Have Full Coverage?
Learn how uninsured motorist coverage works alongside collision and comprehensive, why collision leaves medical gaps, and how state uninsured rates affect risk.
Entry
The 10-to-1 Rule: When to Drop Full Coverage on Your Car
Learn how the 10-to-1 rule helps you calculate whether collision and comprehensive car insurance are still worth paying for as your vehicle depreciates.