A full coverage policy is typically one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident. In popular jargon, the term is generally used to describe a policy that covers more than the bare minimum required by law and includes coverage for damage to your own car when the other driver's insurance won't. One of the factors affecting your premium is your vehicle's year, make and model. The used car insurance in Colorado Springs CO is basically decided upon some characteristics (such as engine size), passenger protection features (such as air bags) and repair costs affect your premiums.