Auto insurance coverage has two sections. The first is the liability section of the policy. It covers your financial responsibility for injuring others and/or their property. Some liability coverage is required by most states.
The second section of auto insurance covers the vehicle itself. Comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is referred to as 'full coverage' and is typically required if you have a loan or lease on the vehicle. There are also medical, car rental, roadside assistance and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
One of our main auto insurance carriers we use is Erie Insurance, and Allied Insurance. Both of which are highly rated for their customer service and claims handling.