Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and property damage of 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 other than collission; collision coverage pays to repair or replace your vehicle due to losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental, towing 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.
Barrow-Hoenstine Insurance Agency offers free, comparative quotes on Auto Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.