Auto or car insurance coverage has two parts. The first is the liability section of the policy, which covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car 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 mandated by leasing companies or banks. There are also ancillary medical, car rental 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.
Forest Insurance offers free, comparative quotes on auto insurance from multiple insurance carriers—helping you secure better coverage at the best possible rate.
Want to see what a better insurance experience looks like? Connect with an agent to find out.