Commerce Insurance Agency helps Commerce, GA residents find coverage. We help our clients evaluate their options so that they can find the coverage they need. We work with multiple carriers throughout the South. This allows us to offer flexible policies.
Overlooked Auto Insurance Facts
Auto insurance covers your vehicle and helps you stay protected while you’re out on the road in Commerce, GA. Liability coverage protects you if your vehicle causes damage to another vehicle or object. If you hit someone or your passenger is injured, bodily injury coverage takes care of their rehabilitation. Collision coverage protects your vehicle when your vehicle suffers damage. Comprehensive coverage protects you if your vehicle is stolen or damaged due to a fire or severe weather passing through the area. While these are common auto insurance facts, there is a lot of information that you may not be aware of. Here is a look at some overlooked auto insurance facts.
One Parking Ticket Won’t Hurt You
There is often a misconception that you have to maintain a perfect driving record in order to find the best auto insurance policy. This is incorrect, as your policy will not be in jeopardy if you suffer one minor parking ticket. While keeping a perfect driving record should be an attainable goal, one mistake will not cost you.
If your vehicle suffers significant damage, it may be classified as a total loss. In that case, your level of coverage may depend on the current value of your vehicle.
If you use your vehicle while you’re working, you need a commercial auto insurance policy. Traditional auto insurance will not cover your vehicle if it’s damaged while you’re working.
You Need Extra Coverage For Your Valuables
If you have special accessories for your vehicles, such as custom seats or wheels, you’ll need extra coverage to fully protect those items.
Commerce Insurance Agency Will Help You Stay Safe On The Road
Visit our website to learn more information about auto insurance.
Every state has its own set of requirements when it comes to auto insurance. The state of Georgia is no different. As a Commerce, GA consumer, it is important to understand what the state requires you to carry for insurance coverage. The team at Commerce Insurance Agency can help you understand the requirements.
Minimum Insurance Coverage for Auto
Georgia has a law that requires all drivers of automobiles to carry the minimum amount of auto insurance coverage. These minimums include everything from bodily injury liability to property damage liability and more.
For bodily injury liability, the state of Georgia requires you to have $25,000 per person and $50,000 per accident insurance level at a minimum. For property damage liability, you need to carry an auto insurance policy with at least $25,000 per accident in coverage.
Uninsured motorist bodily injury and uninsured motorist property damage requirements are also in place. Uninsured motorist bodily injury carries a minimum coverage of $25,000 per person and $50,000 per accident. As for uninsured motorist property damage, you need to have at least $25,000 in coverage with a deductible of either $1,000, $500, or $250.
Higher Limits May Be Worth Consideration
While it is acceptable to carry the minimum amount of auto insurance coverage, your insurance agent will likely recommend higher limits on top of the minimum liability levels. The goal with insurance is to protect your financial interests, and these limits will drive that action.
Our team in Commerce, GA wants to help you understand what Georgia requires for auto insurance and more. This will help you as you begin the process of shopping for the ideal auto insurance policy. Our team at the Commerce Insurance Agency can help you understand the requirements and make a better decision on your policy purchase.
Auto insurance is designed to safeguard you against mishaps on the road. At Commerce Insurance Agency, we can help you determine what kind of auto insurance protection you need. Our auto policies offer several coverage options for Georgia drivers of all ages and lifestyles: liability coverage, personal injury protection (PIP), collision, comprehensive, and uninsured/underinsured (UM) insurance.
Required Auto Insurance Coverage in Georgia
Georgia requires that drivers have specific auto insurance coverage types in the form of liability and PIP. If you’re found at fault for an accident that results in injuries or property damage to others, liability insurance helps cover these costs. Georgia requires that you have minimum liability coverage, but you may want to purchase more to protect you against serious accidents you may cause.
PIP coverage helps cover your medical expenses if you’re hurt in an accident. Although it isn’t required, uninsured motorist insurance is recommended. It provides extra medical protection for you and your passengers if you’re hit by someone who doesn’t have sufficient insurance to cover your damages.
Optional Auto Coverage
If you’re a new driver or own an expensive vehicle, collision and comprehensive coverage offer essential protection for your investment, even though this coverage isn’t mandatory by law. Collision covers damage to your vehicle from crashes. Comprehensive helps pay for your vehicle repairs if it’s damaged by a falling object, vandalism, or inclement weather. It also pays for your vehicle’s market value if it’s stolen, saving you thousands of dollars in getting your car replaced. If you’ve taken out a new car loan, your lender may require that you purchase collision and comprehensive coverage to protect their monetary investment.
To learn more about auto insurance in Georgia or for help in selecting the policy you need, contact Commerce Insurance Agency in Commerce, GA today.
To an extent, insurance rates are based on the type of vehicle you drive because insurance companies use historical trends to determine how likely an accident will occur. As an example, a sports car is likely to have a higher insurance rate than a four-door sedan because the insurance company will have to pay a higher fee to repair the vehicle. Factors including how likely it is that a vehicle is speeding, the cost of repairs, and how likely your vehicle will damage another car in an accident are all included in determining a policy premium.
In addition to the type of vehicle impacting your auto insurance premium, so too can the features. When you purchase a vehicle with additional options like a navigation system and audio upgrades, it causes the vehicle’s price to increase. Consequently, it isn’t surprising that the more expensive the vehicle and the more upgrades it has, its costlier will be to insure. With that said, purchasing a car with a strong track record for safety and the latest safety features can equate to a lesser premium.
While it is true that the type of vehicle you drive can impact your insurance premium both positively and negatively, the difference should not deter you from driving your dream car. Ultimately, shopping for the best rate with a professional company like Commerce Insurance Agency can ensure that you aren’t paying more than you need to. Conveniently located in Commerce, GA, the Commerce Insurance Agency prides itself on delivering exceptional service, so give us a call today to schedule a no-obligation consultation.