For many first time drivers in Roswell, GA, shopping for car insurance can seem daunting. There are terms you may not fully understand, coverage options that may not offer payout due to exclusions, and thousands of options to choose from. Even experienced drivers may feel overwhelmed by shopping for car insurance. To discover the best coverage for your personal needs, it’s important to understand exactly what it is you’re purchasing when you shop for auto insurance. Let’s go over some of the basics to help you find the right coverage for you.

Why You Need Car Insurance

The primary purpose of car insurance is obvious – it protects you financially in the event of an accident. Yet with skyrocketing premiums and low payouts for auto accidents, car insurance doesn’t always feel like you’re getting a fair deal. All states across America require some form of auto insurance, with minimum coverage varying from place to place. In Georgia, drivers are required to carry at minimum liability insurance to help pay for vehicle damages or bodily injuries if you are found to be at fault of an auto collision. You must carry the following minimum liability coverage to register a vehicle in Georgia:

  • Bodily injury: $25,000 per person/$50,000 for multiple persons injured in an accident
  • Property damage: $25,000 per vehicle for one incident

You cannot register a vehicle without first proving you have the minimum coverage in Roswell, GA. If you let your auto insurance policy expire, you may be faced with fines and have your driver’s license suspended until you can prove current coverage.

Car Insurance Coverage Options

Other than the minimum coverage required by the state, what other optional car insurance might you need in Roswell, GA? Collision insurance pays for damages to your personal vehicle in the event of an auto accident. If your car is financed, your bank or credit union may require you to carry higher insurance quotas in addition to comprehensive coverage – which pays for non-collision related damages such as vandalism. Other options that may save you time and money in the long run are rental car coverage and additional medical coverage, especially if your health insurance does not offer large payouts or requires a large deductible be met before coverage begins.

Local Auto Insurance Companies in Roswell Ga Can Save You Money

Whether you are shopping for minimum liability coverage or full collision and comprehensive coverage, a local auto insurance agent can help you save valuable time and money by looking into your driving record and discovering discounts that fit your lifestyle. Car insurance rates vary by individual, but things like your driving record, car insurance claim history, age, gender, and credit report can affect rates tremendously. If you have multiple offences in your driving history, local auto insurance agents may offer more flexibility and forgiveness than national carriers. These auto insurance brokers can also find discounts such as low mileage, good driver and good student discounts, or find offers through memberships, affiliations with employers or universities, and multiple car packages to customize coverage for your household.