"Eighty percent of the life insurance agents never sold an auto policy," he said.

The coverage is secondary, paying only for what a renter's own auto policy does not cover.

Each coverage has its own premium, so the annual cost for an auto policy represent a total of the separate premiums.

This might be the same insurance agent who sold you your life and auto policy, or you may need to find a specialist.

Personal items in a vehicle that are damaged due to an accident would not be a covered under the auto policy.

Later that year, they wrote their first auto policy.

Combining the rate quotes meant a $200 discount annually on her auto policy.

Fireman's Fund said it would stop selling auto policies in the state.

It was the first major insurer to offer auto policies through the phone and through its web site.

New Jersey is the only state where the average auto policy exceeds $1,000.