As gas prices have decreased and the economy has slowly improved, more and more drivers are hitting the road every year. The auto insurance marketplace has more options than ever before, though whether the variety of options has helped consumers is contested in many circles. It can be easy to hop online these days and simply pick the first result in your search for auto insurance, but is that the best strategy? Of course not! Just a little bit more time upfront can save you thousands in the long run towards car insurance policies.
Shop Local and Save
The first thing you should do is get in touch with a local independent auto insurance agent. Why is this? Because local agents don’t have as much overhead going towards national advertising campaigns, apps, and sponsorships, they can pass those savings on to you. In addition, doing business with a local agent puts your money directly back into your community, benefiting local residents of Roswell daily.
Auto Insurance Legal Requirements in Roswell, GA
It’s important to have a grasp on basic auto insurance terms before proceeding to purchase coverage. Auto insurance in Roswell, GA should at the very minimum offer liability insurance, which is required by the state of Georgia. In fact, you’ll need proof of auto insurance before you can register any new vehicle with the state!
George requires the following minimum coverage amounts:
- $25,000 per person in Bodily Injury liability
- $50,000 per person for multiple people in an accident
- $25,000 in Property Damage liability per accident
Of course, the legal minimum requirements of car insurance in Roswell, GA aren’t the only options you have to purchase, and upgrading your insurance could save you thousands of dollars in legal fees as well as precious time and worry in the event of an accident. Let’s review some of the optional coverage options.
Optional Car Insurance in Roswell
While you’ll be legally covered with the state and able to register a vehicle with the minimum requirements listed above, you may need more coverage. In fact, if you finance a car, you will be required to carry both collision insurance and comprehensive coverage.
Collision insurance pays for damage to your vehicle in the event of an accident while comprehensive coverage pays for damage to your vehicle outside of traffic accidents, such as natural disasters, falling tree limbs, fire, vandalism, theft, or hitting an animal – a major statistic in rural areas of Georgia!
Call a Local Auto Insurance Agent in Roswell, GA Today
Wading through all options of car insurance in Roswell, GA can feel daunting. Do you elect to enroll in additional medical coverage? Do you need windshield replacement or uninsured motorist coverage? Are you using your personal vehicle as a ridesharing tool? Local auto insurance in Roswell, GA will know what types of claims are typically filed in your area and can direct you towards the coverage you are most likely to need. A local car insurance agent can also assist you with any discounts through local employers and compare your coverage with many national chains. Call a local auto insurance agent in Roswell to get started today.