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Auto or car insurance coverage has two parts. The first is the policy’s liability section, which covers financial responsibility for injuring others (Most states require some liability coverage).
The second part of auto insurance covers the car exclusively: comprehensive coverage reimburses losses from fire, theft, or other perils; collision coverage pays to repair losses caused by accidents. 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 physical damage coverages can help reduce premiums. However, if you carry umbrella insurance, you must be sure to take the required amount of basic liability insurance to avoid a gap in coverage for a severe accident.