Many consumers don't know what exactly their insurance policies cover. This is the reason insurance agents can charge for coverages you do not need. The cost of auto insurance is always rising and it is more expensive to get an Atlanta Auto Insurance. That is why many people lack coverage or drive uninsured, which is against the law. Knowing what your coverage is, will save you money as well as give you maximum protection against any cost associated with accidents.
All states require minimum amount of auto insurance, especially liability insurance. Legal minimum for Atlanta Auto Insurance is $25,000 for bodily liability coverage per person up to $50,000. It also requires property damage liability minimum of $25,000. These are the minimum coverage that is required, but it is a good idea to purchase higher coverage. The higher the coverage amount, your premiums will be higher, make sure you do some quote request before settling on the final amount.
Uninsured Motorist coverage is an option that will cover accidents caused by an uninsured driver. This coverage comes in increments of $25,000 up to a maximum of $500,000. The amount you choose will directly affect your rates. This valuable coverage isn't required by law, but is highly recommended.
A deductible is the amount of money you are required to pay at the time of an accident before your insurance will kick in. The minimum is $50 but can be as high as $1,250. The lower the deductible you choose, the higher the price of your policy will be. Consider how much extra money you're likely to have on hand in the coming years and make your choice accordingly.
Roadside Assistance is a cheap and commonly chosen option that will cover towing, unlocking car doors, changing tires, and other basic auto help. Some new cars come with a warranty equivalent of this option. Be sure you aren't already covered before choosing this option. Another common and inexpensive option is Rental coverage. This will pay for a rental vehicle during the time you are without a vehicle after a wreck.
Make sure you get the best rates possible for your Atlanta Auto Insurance. Ask the agent for discounts or use the internet to find the best rates available, you can save hundreds of dollars.
All states require minimum amount of auto insurance, especially liability insurance. Legal minimum for Atlanta Auto Insurance is $25,000 for bodily liability coverage per person up to $50,000. It also requires property damage liability minimum of $25,000. These are the minimum coverage that is required, but it is a good idea to purchase higher coverage. The higher the coverage amount, your premiums will be higher, make sure you do some quote request before settling on the final amount.
Uninsured Motorist coverage is an option that will cover accidents caused by an uninsured driver. This coverage comes in increments of $25,000 up to a maximum of $500,000. The amount you choose will directly affect your rates. This valuable coverage isn't required by law, but is highly recommended.
A deductible is the amount of money you are required to pay at the time of an accident before your insurance will kick in. The minimum is $50 but can be as high as $1,250. The lower the deductible you choose, the higher the price of your policy will be. Consider how much extra money you're likely to have on hand in the coming years and make your choice accordingly.
Roadside Assistance is a cheap and commonly chosen option that will cover towing, unlocking car doors, changing tires, and other basic auto help. Some new cars come with a warranty equivalent of this option. Be sure you aren't already covered before choosing this option. Another common and inexpensive option is Rental coverage. This will pay for a rental vehicle during the time you are without a vehicle after a wreck.
Make sure you get the best rates possible for your Atlanta Auto Insurance. Ask the agent for discounts or use the internet to find the best rates available, you can save hundreds of dollars.
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