Choosing the Right Auto Insurance for You: Factors to Consider

Auto insurance is an important aspect of responsible car ownership. It’s vital for protecting you from the financial consequences of accidents, theft, or other damage. When insuring your car, it is important to be aware of the types of coverage available to you to make the best decision for yourself and your finances. There are a lot of factors you need to consider when making this decision. Here are some of the most important.

1. Type of Coverage

The first thing you should do is decide exactly what type of coverage you want. The major categories are liability, collision, comprehensive, and medical payments. Liability covers the damage you do to other people; it does not cover your car. Collision and comprehensive cover physical damage to your vehicle. Collision covers damage from a collision with another object, and comprehensive covers non-collision damages such as theft, vandalism, or certain weather events. Insurance can also cover medical payments to you and other people involved in the accident if they are hurt.

2. Budget

Of course, you should also consider how much coverage you can afford. If you get in an accident and are held liable for all of the damage to the other car along with the medical bills of everyone involved, it could easily exceed tens or even hundreds of thousands of dollars. Without adequate insurance, that could quickly become a financial disaster for you.

3. Optional Coverage

When considering your coverage options, keep in mind that you can customize it with optional items like roadside assistance and rental reimbursement. These costs typically come out to only a few extra dollars per month, but they provide valuable added protection.

4. Your Vehicle

Of course, your vehicle should be one of the most important things to consider when choosing insurance because you want it to be covered. The type and value of your car will impact the cost of your insurance policy, so you should know exactly what kind and how much it is worth before buying a policy.

There are a lot of important factors to consider when buying auto insurance. With this information, you should be able to make the best decision for your finances and needs. Call North Georgia Insurance Center today for all your auto insurance needs in Commerce, GA.

What auto insurance is required in Georgia?

Having to live without a vehicle would be hard for most people. Unless you live in an urban area with great public transport, you count on your vehicle to go about the activities of daily life. When you own a vehicle, you are required to carry the auto insurance mandated by the state where you live and, like most other states, Georgia requires auto insurance. In Commerce, GA, North Georgia Insurance Center has been providing reliable and accurate insurance quotes for more than 40 years. 

In Georgia, the required auto insurance is 25/50/25. This means that for one person injured in an auto accident where you are at fault, the coverage is $25,000. The total for all people injured in any given accident is $50,000. An additional $25,000 is required for property damage. This is an okay amount of coverage, but depending on your financial position in life, it may not be enough to protect you. 

If you have an auto loan or are leasing a vehicle, you will be required to carry insurance to protect the vehicle. This requires collision and comprehensive coverage. 

Collision coverage protects your vehicle from damage in an accident where you are the at-fault driver, where you are the victim of a hit and run, or in an accident where no other driver is involved. 

Comprehensive coverage covers all those unexpected things that can happen to your vehicles such as theft and vandalism. It also protects against weather events that can damage your vehicles such as hail or strong winds and limbs from trees. Additionally, if a deer runs into or in front of your vehicle, you are covered. One of the most popular coverage is the glass coverage which has no deductible. 

Contact North Georgia Insurance Center in Commerce, GA if you have auto insurance needs or questions. 

Who should get auto insurance in Georgia?

In the Commerce, GA area, local residents would always benefit by owning a vehicle. While a car or other vehicle will make it easier to get around town, they do come with responsibilities as well. One responsibility is the need to carry the proper insurance. There are many scenarios in which someone should get an auto insurance plan in this part of Georgia. 

Those Driving on Public Roads

The first situation when someone should have insurance for their vehicle is one they want to drive on a public road. Georgia is similar to other states because it requires drivers to at least carry liability insurance. This is an important form of coverage and law as it ensures that someone who is responsible for an accident will be able to cover damages. If you do not maintain this protection, you could be in violation of the lock and face various penalties.

Those Who Want Vehicle Protection

You will also want to get auto insurance if you want to protect your vehicle. If you choose to purchase a car, SUV, or other vehicles, it will be something that you will want to last for a long time. If you have the right insurance with collision and comprehensive protection, you will know that you have the support to repair or even replace the vehicle if you incur a variety of losses including theft, vandalism, or accident damage.

Drivers all over the Commerce, GA area need to maintain proper insurance protection. As you are looking for a policy in this area, it would be wise to call North Georgia Insurance Center. The team at the North Georgia Insurance Center understands the value and need of having proper insurance. They will provide the support that you need to choose a new plan. 

Types of Auto Insurance

Finding the right auto insurance requires you to understand the various components of each policy, from the qualifications to the items covered. To do this, however, you first need to know what kind of insurance that Commerce, GA motorists can get. North Georgia Insurance Center covers the types of auto insurances offered and what to expect from each.

Bodily Injury Liability

If you get into an accident and the other party gets injured, a bodily injury liability covers expenses related to their medical costs. Where the injuries are severe and cause a loss of income to the motorist, this cover also ensures that the injured party is compensated during their recovery.

Property Damage Liability

Property damage liability comes in handy when you damage another person’s vehicle during an accident. In addition to this, if you damage property such as homes or building structures during your daily commute, property damage liability will help you offset these expenses.

Collision Cover

When your car gets damaged during an accident, a collision cover pays for repairs and any replacement when the damage is substantial. This coverage, however, only works where damage to your vehicle results from a clash.

Comprehensive Cover

A comprehensive policy covers non-collision damages to your vehicle. This includes issues such as vandalism, damage from disasters like hail and theft. Due to this, any personal items destroyed during these instances are not covered since they fall out of your vehicle’s damage scope.

Uninsured/ Underinsured Coverage

Despite policies such as bodily injury liability being compulsory for every motorist in Commerce, GA, some will still choose to drive without proper coverage. If you get into an accident with such a motorist, uninsured coverage takes care of expenses arising from such an incident. If the other motorist’s policy cannot cover the full amount of property damage or injury, your underinsured cover will take care of all costs requiring payment.

Medical Payment Cover

Lastly, a medical payment policy provides coverage when you or any passengers are hurt during an accident.

Getting auto insurance will allow you to keep yourself and other parties protected while you are on the road. Contact North Georgia Insurance Center to get a policy that is tailor-made for your needs.

Mistakes To Avoid When Buying Auto Insurance

Being a responsible driver, you understand the importance of having auto insurance. Unfortunately, many people do not know how to look for auto insurance and therefore make a lot of mistakes. Here is the list of the most common of them prepared by North Georgia Insurance Center serving Commerce, GA and other surrounding areas: 

  • Not getting enough coverage. Many drivers do not want to spend a lot on their car insurance and choose the minimum coverage. However, in most cases, this means that they will not have enough coverage and will end up with high out of pocket expenses in case of an accident. 
  • Not getting familiar with the policy. Once you have found a policy you like, make sure you learn it from top to bottom. Do not hesitate to ask your insurance agent questions if something seems unclear. 
  • Not disclosing all drivers. It is very important to mention all the drivers who are going to use your car on your policy. If an insurance company figures out that there are unreported drivers, you may end up with a higher rate. 
  • Being unaware of your deductibles. Make sure to discuss with an insurance agent the deductible option and pick the one that is right for you. For example, if you are a careful driver without any accidents in the past, then a higher deductible might be a perfect option for you. 
  • Not shopping around. To make sure you making the right choice, it is highly recommended to shop around and compare offers from a few different companies. This will help you find a perfect policy. 

If you are looking for auto insurance for your new vehicle in Commerce, GA or you just want to update your existing insurance, North Georgia Insurance Center is ready to assist you. Give us a call to talk to one of our qualified agents and discuss the available options. 

First time car buyers: Things to keep in mind

Buying or driving your own car for the first time can be fun but scary at the same time, whether young or old getting on the road for the first time is not always a smooth ride. With worries of driving right comes the aspect of whether you are adequately covered in case of an accident. Auto insurance in Commerce, GA is a requirement by law and all drivers, including new drivers, must carry a valid auto insurance policy in case they are pulled over.

1. Buy insurance before you have bought the car

Before you even step foot on the car buying company lot to negotiate about the price, make sure you have sorted your insurance needs. While shopping for auto insurance may not be as fun as the car buying process, sorting your insurance needs saves you hundreds of dollars. Remember, vehicles such as sports cars carry higher insurance rates. You need to consider auto insurance as part of the cost.

2. The dealership may and may not take care of the insurance paperwork for you.

Different dealerships have different ways of doing things. While some are willing to do the paperwork for you, it is always prudent to be one or two steps ahead. If this is not your first vehicle, take the initiative to add that collision or comprehensive insurance before you leave.

3. Understand what is needed

As a first-time car and auto insurance buyer, you need to know the average cost of the vehicle in order to calculate the cost of insurance. You also need to understand the limits, coverages, and deductibles. An insurance expert at North Georgia Insurance Center can help you with that.

Car insurance companies have a way of determining how much the premiums should cost. This varies from one insurance provider to another. At North Georgia Insurance Center, we can help you choose a policy that best fits your needs. Be sure to visit us at Commerce, GA today!

Policy benefits for good drivers

Good drivers help insurance companies keep costs in check, and there are many instances when good drivers are rewarded with unique policy benefits. While you may be eligible to have a lower premium due to good driving history, you may not know about the benefits unless you ask. If you are a safe driver in the greater Commerce, GA area and would like to know if you qualify for any policy benefits due to your good driving history, contact the team at North Georgia Insurance Center, we’re happy to help!

  • Good driving history – anyone who has gone years without a claim should take a closer look at their policy benefits. There are many companies that offer perks to safe drivers, and you just might be eligible too!
  • Loyalty programs – do you have multiple lines of insurance with the same company, or have you been a loyal client for many years? It’s worth your time to double-check and see if there are any perks or discounts available from your auto insurance provider. 
  • Educational classes – many insurance providers reward clients who go the extra mile to receive extra defensive driving training or attend other educational classes. If you have taken non-required safety classes, it’s worth checking to see if there are any policy benefits. The same holds true for vehicle owners who have enhanced safety features on their car or truck.

It’s always worth the effort to look into any policy benefits, perks, or rewards!

Drivers who have a good driving record or have taken steps to improve their driving are sometimes eligible for certain policy benefits. If you think that you may qualify, contact the team at North Georgia Insurance Center today and learn more about your auto policy options in the greater Commerce, GA area. 

Auto Insurance Option for Drag Racers

Drag racing in Commerce, GA is a popular pastime and one that requires high-quality insurance policies to properly manage. Thankfully, we at North Georgia Insurance Center can provide you with the choices you need to keep your drag racer fully insured on the track.

Race Coverage Protects Vehicles

Normal auto insurance policies do not cover drag racing because they are designed just for normal everyday driving. However, that doesn’t mean that a drag racer can’t find a policy for their vehicle. These coverage options fall under the heading of racing insurance and are available from multiple providers.

Racing coverage will vary depending on a multitude of factors, including the age and the value of the specific vehicle being covered. For example, normal racing is different than drag racing and requires a slightly different policy that covers the unique demand put on a vehicle by this action.

Policy Options Vary

When buying racing insurance, draggers need to make sure that they choose one that suits their needs. For example, liability is necessary because these types of races often trigger injuries and other health problems in the racer and even in their opponents on the track.

Just as importantly, these racers need to purchase policy options that provide accurate and detailed protection if their vehicles get damaged. For example, a driver may run into another car on the track, get a ding or a dent, and use their racing insurance to pay for these repairs quickly and efficiently.

Find Insurance for Your Drag Racer

Anybody who enjoys drag racing in and around Commerce, GA should contact us at North Georgia Insurance Center to find high-quality racing insurance for their drag vehicles. Our experts will tweak policy to suit your needs and ensure that you are fully covered for your needs.

Auto Insurance Questions to Consider When Buying a New Vehicle

Buying a new vehicle can be an exciting time. However, you should consider that there is more to the cost of a car than the simple sticker price at the car lot. Here are a few insurance questions to consider when buying a  new vehicle. 

How Will Insurance Rates on This Vehicle Compare to My Old Rates?

Do not assume that your insurance will stay the same vehicle to vehicle. Insurance rates are based on several factors. One important factor will be how new the vehicle is. Generally newer vehicles will have higher insurance premiums than older vehicles. Another thing you should consider is how different in make and model is this vehicle from your last vehicle. Different types of vehicles will fall under different insurance categories. Doing this research before purchasing your vehicle will help alleviate any shock value that might arise when you apply for insurance for your new car. 

Insurance Must Not Lapse

In many states, there are laws in place which require that insurance be placed immediately on a vehicle before it can be purchased. This can be a huge inconvenience if you are not aware of this before visiting a car dealership. Be in contact with your insurance company prior to vehicle shopping, so that you can set up a seamless insurance transferral if you are trading in a vehicle.

What Is the Grand Total?

The real price of your new vehicle will be your car payment plus insurance. If you are operating on a budget you will want to evaluate how much this grand total may be, before signing any paper work to purchase your vehicle. Speak with an insurance representative and discuss insurance rates for the types of vehicles you are considering before visiting the dealership. This way you will have a better idea of what your grand total will be for your new vehicle. 

If you would like to learn more about placing insurance on a new car call one of our helpful insurance reps at North Georgia Insurance Center serving Commerce, GA. 

The Effect of Age on Car Insurance Rates

Many different factors have an impact on auto insurance premiums in Commerce, GA. Some of them pertain to the vehicle, such as its value and safety ratings. Other considerations involve the driver’s personal attributes. They include driving history, gender, credit score, and marital status. Another important factor is age.

Age Groups
People generally pay the highest car insurance rates at ages up to 24. Young motorists typically cause more traffic accidents than any other major segment of the population. This is especially true for male drivers. Single men might face higher premiums until they turn 26 or 29 years old.

Married men and young women may only pay increased rates at ages under 22 or 25. Premiums frequently drop each year during a person’s late teens and early-to-mid 20s. Costs also vary depending on whether a driver owns the vehicle or not. Seniors tend to cause more crashes statistically. Some insurance providers expect these motorists to pay higher rates, but they normally don’t spend as much as young people. However, an elderly person with a poor driving record might pay more. Seniors can sometimes qualify for premium reductions if they’re retired and don’t drive very often.

When you need affordable yet reliable auto coverage at any age, turn to the North Georgia Insurance Center. Bobby Brown founded NGIC over three decades ago. This independent Commerce, GA agency helps motorists find top insurers with great rates. Please dial 706-335-2433 to reach the North Georgia Insurance Center and learn more today.