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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Full Coverage vs. Liability Auto Insurance: Which is Right for You?

When it comes to auto insurance in Scotia, NY, drivers have several options to choose from. Two of the most common types of coverage are full coverage and liability auto insurance. At DePaulo Agency, we offer both coverage options to cater to the unique needs of drivers in the area.

Understanding Full Coverage Auto Insurance

Full coverage auto insurance is a comprehensive plan that offers protection beyond the minimum requirements set by the state. This type of insurance typically includes collision and comprehensive coverage, which covers damages to your vehicle in the event of an accident or other incidents like theft, fire, and natural disasters. Drivers who opt for full coverage can enjoy peace of mind knowing their investment in their vehicle is protected.

Pros and Cons of Full Coverage


  1. Greater protection for your vehicle.
  2. Covers damages from a wide range of incidents.
  3. May be required by lenders if you have a car loan or lease.


  1. Higher premiums compared to liability insurance.
  2. May not be cost-effective for older vehicles with lower value.

Understanding Liability Auto Insurance

Liability auto insurance is the minimum coverage required by law in Scotia, NY. It covers the costs of injuries and property damage you cause to others in an accident. However, it does not cover damages to your vehicle. This option is more affordable than full coverage but offers limited protection.

Pros and Cons of Liability Insurance


  1. Lower premiums compared to full coverage.
  2. Meets the minimum legal requirement in New York.


  1. Limited protection for your vehicle.
  2. You may have to pay out of pocket for damages to your car in an accident.

Choosing between full coverage and liability auto insurance in Scotia, NY ultimately depends on your individual needs and budget. At DePaulo Agency, we can help you navigate your options and select the coverage that best suits your requirements. Contact us today to learn more about auto insurance and how we can help protect you and your vehicle.