Why basic auto insurance may not be the right choice for you

At Commerce Insurance Agency in Commerce, GA, we are an independent insurance agency that is customer-centered. Our team is experienced in all facets of auto insurance and the requirements of the state of Georgia. We are here to help our customers to get the right insurance at the right price. 

Basic Auto Insurance & More

Basic auto insurance in Georgia is liability insurance in the amount of 25/50/25. The first person injured in a vehicle accident is covered by $25,000 in injury insurance, and the total for all injuries is $50,000. $25,000 is assigned for injury to property. This is a reasonable amount, but if it is a bad accident, involving hospital stays, this could be very much short of the actual expenses, and you could end up paying out of your pocket. 

When you lease a vehicle or have an auto loan, you are not going to be able to get away with having basic insurance. Your lender or the company leasing your vehicle to you is going to demand that you have insurance to protect the vehicle. This means having collision insurance and comprehensive insurance. 

Collision insurance covers your vehicle in an accident you are responsible for. It can help to pay for repairs or for the replacement of your vehicle if your vehicle is determined to be a total loss. 

Comprehensive insurance covers most other things that can damage your vehicle. Coverage includes theft and vandalism. It also covers a variety of weather events such as hail, ice, and high winds. If a deer runs into your vehicle, you are covered, and it includes glass coverage, which is very handy if a stone comes up and cracks your windshield. 

Give Us A Call

Contact Commerce Insurance Agency in Commerce, GA when you are in need of auto insurance information or coverage.