Auto Insurance

Driving in Georgia is like that in many states. Some driving is rural, some driving is in metropolitan parts, and a lot of driving is in areas under construction with changing and unfamiliar driving patterns. Regardless of the type of driving, auto insurance can help safeguard your vehicle and yourself.

What Auto Insurance Do I Need?

In Georgia, drivers only need liability car insurance to drive legally. Liability car insurance contains two types of coverage: bodily injury and property damage liability. Bodily injury coverage can pay medical bills or funeral expenses that result from an accident in which you’re at fault. Property damage liability covers damages you do to someone’s property. 

You can also gain further protection from other types of coverage and may want to add:

·        Collision coverage may help repair damages to your vehicle sustained in a collision with another car or fixed object other than animals.

·        Comprehensive coverage may help cover damages to your vehicle, including collisions with animals. When paired with collision coverage, this is known as full coverage. 

·        Gap coverage may pay the difference between the actual cash value of your car and what you still owe on your loan if you lease or finance your vehicle.

·        Medical payments coverage may help pay the medical bills or funeral expenses you or your passengers incur up to policy limits. Coverage is provided regardless of who is at fault.

·        Uninsured/underinsured motorist coverage may pay for injuries or vehicle damage if an uninsured or underinsured driver is at fault. Georgia requires all state car insurers to offer this coverage.

·        Roadside assistance may be beneficial if you break down on the road. 

How Much Auto Insurance Do I Need?

Auto insurance is about financial protection. Georgia requires all drivers to have a minimum amount of auto liability coverage. Work with your agent to ensure you purchase adequate coverage to comply with state law.

However, just because you meet Georgia’s minimums on auto insurance doesn’t mean you’re adequately insured. Vehicles are costly to repair or replace, medical costs can be expensive, and a lawsuit can be costly if someone sues you after an accident. The best auto insurance protects you against financial loss if any of these scenarios happen to you.

Which Auto Insurance Is Best?

Numerous insurance providers provide auto insurance. The decision on which insurance is best for you is personal. We can help you review your options based on the coverage you would like in your auto policy. Assessing your choices can help you make a well-informed decision on the best auto insurance coverage for you.

When Should I Add My Teen Driver To My Policy?

You should usually add your teen driver to your auto insurance policy as soon as they get their driver’s license. It’s a good idea to discuss this with your insurer before your teen starts driving. Some insurance companies may require that your young driver is added when they get their learner’s permit rather than their license.

Get the Protection You Need

Driving can be challenging whether you’re an experienced driver or a beginner. Regardless, auto insurance can benefit all drivers. Call us at 678-857-6898 to speak with the team at Total Insurance. We can help give you peace of mind and the financial protection you need when you or your teen is on the road.