The state of Georgia requires drivers to have auto insurance and there is a minimum level of coverage for drivers in the state. This requirement protects drivers from financial risks posed by others on the road today.
There are many different types of auto insurance available, though, which means it can get a little confusing if you don’t have someone like Gloria, and independent insurance agent, to help you discover the best policy for your financial situation and auto insurance needs.
Keep these details in mind in your search for the perfect auto insurance policy.
How Much Auto Insurance Do You Really Need?
Auto insurance needs vary from widely from one driver to the next. In Georgia, there is a minimum coverage amount, but that’s not enough to cover all your bases. Most people who have vehicles need more than the state minimum requires.
If you do not own your car free and clear, it’s important to understand that you’ll have to pay the remaining amount due on your vehicle if it’s totaled in a crash. Your insurance coverage needs to cover the payoff amount at minimum. In fact, you may be required to carry insurance for the payoff amount as part of your purchase or lease agreement.
What about Medical Expenses?
Whether you’re at fault in an accident or not, there are generally medical expenses that must be paid. These expenses add up quickly. You cannot trust the other driver to have an adequate amount to meet all your medical needs and the state minimum is rarely enough to protect you from further legal action from people who have been injured in accidents where you may have been at fault.
Saving Money on Auto Insurance
There are actually quite a few things you can do that will save you a ton of money on your auto insurance. The good news is that you don’t have to drive all over town to multiple agencies in order to enjoy these savings.
Ask your independent insurance agent about using any one, or all, of these savings for a spectacular reduction in your annual insurance rates.
- Bundling policies
- Loyalty rewards
- Safe driving discounts
- Multi-car discounts
- Home ownership discounts
- High deductibles
To maximize your insurance savings, discuss your options with independent agent Gloria Martin today. She can help you get the greatest amount of coverage for the lowest possible price by comparing multiple plans across many different insurance providers. Call Gloria today and see how much she can help you save each year.