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Auto Insurance

Auto insurance coverage contains two parts: liability and comprehensive. Liability covers your financial responsibility for injuring others and some liability coverage is required by most states. Comprehensive covers the car itself and reimburses losses from fire, theft or other perils. Collision coverage pays to repair losses caused by an accident, and is often mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverage requirements, which vary by state.

Utilizing high deductibles on comprehensive can help reduce premiums. If you carry umbrella insurance, you must be sure you have the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Contact us for more information, or request API’s free, no-obligation comparative quote from multiple insurance carriers to get the best possible rate.