If you are in the Snellville, GA area, you will find that owning a car is a good idea. As you are looking to buy a car, you also should spend time thinking about your insurance needs. There are various factors to think about when you are going to purchase a vehicle and a new auto insurance policy.
The first factor to consider when you are shopping for an auto insurance plan in Georgia is your requirements. Auto insurance needs and requirements can vary from one individual to the next. At a minimum, all people in this state need to have the minimum level of liability coverage to meet state requirements. Further, if you have a loan outstanding, you will likely be required to carry a full comprehensive plan. Even in situations when this coverage is not required, it could be a good idea to get it to protect your investment.
If you get a comprehensive insurance plan that protects your vehicle, you should also consider your deductible-level options. The deductible is the amount of money you pay before a claim is processed. Generally, this ranges from $500 to $1,000 with higher deductibles resulting in lower monthly premiums. While this can be attractive, you need to ensure you have money set aside to cover the deductible if you do need to file a claim.
We Are Here To Help
A car owner in the Snellville, GA area will always want to know that they are properly covered and protected with insurance. A great way this is done is by investing in a full insurance plan through our team at Birdsong Agency Inc. Our insurance professional with Birdsong Agency Inc. can help you carefully build a plan that will meet your needs.
When you drive your vehicle, you need to know that you are in compliance with the law but also that your vehicle is protected to the extent that you require it to be. At Birdsong Agency Inc. in Snellville, GA, we know our customers, and we give them the personalized service they deserve.
Why Auto Insurance?
Liability coverage is what the state of Georgia requires all drivers to have before they can drive their car. The minimum amount is 25/50/25. This is the insurance that protects other people from an accident for which you are responsible. It pays $25,000 for the first person injured and a total of $50,000 for all the injuries. Another $25,000 is for the property that is damaged.
Collision coverage pays for repairs or replacement to your vehicle in an accident where you are responsible, where you are the only car involved, or are the victim of a hit and run.
Comprehensive coverage covers damage to your vehicle by a variety of things other than another vehicle. It covers floods, winds, and hail. It covers theft and vandalism and large animals like deer. It also includes glass coverage.
These are the three basic coverage options, but there are other add-ons that you may want to consider.
If you have a new vehicle, it loses a lot of its value as soon as you drive it away from the dealer. If you have an accident, the amount the insurance company values your vehicle at may be less than the amount of your auto loan. You could be left with a balance even though your vehicle is gone.
Don’t Be Without Auto Insurance
When you need to renew your auto insurance or are ready for a change, give us a call at Birdsong Agency Inc. in Snellville, GA.
Auto insurance is one necessity for owning a car. You need it to protect yourself financially in the event of an accident, but it’s hard to understand and choose the right policy. If you live in Snellville, GA, here are a few tips on choosing an auto insurance policy that’s right for you.
Does Georgia Require Vehicle Insurance?
Georgia law requires all drivers to have liability insurance. This insurance covers damage you may cause to other people or property while driving. You’ll need to show proof of insurance when you register your car or renew your license plate.
However, basic liability insurance only covers damage to others. It does not cover damage to your own car or injuries to yourself or your passengers. For this reason, you may want to purchase additional coverage, such as collision or comprehensive insurance.
Is Liability Only Coverage OK for a Car Loan?
If you have a car loan, your lender will require you to have collision and comprehensive coverage besides liability insurance. Collision pays for damage to your car in an accident, and comprehensive pays for damage from events like theft, vandalism, or weather. For questions, contact your Birdsong Agency Inc. representative.
In Georgia, you’re not required by law to have uninsured/underinsured motorist coverage, but it’s a good idea. This type of coverage protects you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damage they caused.
Another add-on that drivers may want to consider is rental reimbursement coverage. This addition pays for a rental car while your own vehicle is being repaired after an accident.
Give Us A Call
Contact your Birdsong Agency Inc. agent in Snellville, GA to see if this is something that would be beneficial for you.
If you are a car owner living in the state of Georgia, you should understand that auto insurance is required in the Peach State, and driving without it is considered a crime. It may be difficult to find good and proper auto insurance that addresses your insurance needs, especially if you have never done it before. Therefore, Birdsong Agency, Inc., serving Snellville, GA, and other surrounding towns, prepared a list of things that you should take into consideration when shopping for auto insurance:
- Information you provide about yourself. An insurance company expects you to share factual information only. Many people decide to provide fake information instead. However, it is quite risky because if they are caught, they might face severe punishment.
- Payment options. There are several options to pay for your auto insurance. You can pay annually, every six months, or monthly. Most insurance companies offer additional discounts for those who decide to pay annually. To decide what payment option is better for you, you need to evaluate your budget and current financial situation.
- Coverage. The state of Georgia requires everyone to carry at least the minimum amount of coverage. Many car owners prefer this option to save some money. However, the state minimum may not be enough, and in case of an accident, you will have to cover most of the expenses by yourself.
Car insurance is one of the most important investments for a car owner because it protects a car owner himself and the vehicle. If you live in Snellville, GA and you are currently looking for auto insurance, Birdsong Agency, Inc. will be glad to help you. Do not hesitate to give us a call to talk to one of our experienced agents and get the information you need.