Auto/car insurance coverage has three main parts. The first part is the liability section of the policy. It covers you need should you injure someone. Liability coverage is required by most states.
The second part is Comprehensive coverage. It covers your vehicle when it’s not moving for losses from fire, theft, vandalism and other perils.
The third part is collision coverage. It covers you for incidents that occur while the car is moving such as an accident.
Often this Collision is mandated by leasing companies or banks. There are also medical, car rental, road side assistance and other coverages which vary by state.
Choosing a higher deductible on the comprehensive and collision coverages can help reduce your costs.
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