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Affordable Car Insurance in Atlanta

Atlanta is well-known for having terrible traffic, and driving in the city can be a bit scary. There are so many cars on the road, and rush hour is no joke. So, you might be on a quest to get Atlanta auto insurance. And our team can help you with that mission.

Car insurance exists so that drivers are protected in case they encounter a driving mishap or a vehicle-related disaster. You need to make sure you have the Atlanta car insurance that will suit your specific needs. There are a lot of coverages out there, though, and it can feel overwhelming. Here are some need-to-know things about car insurance.

What are the main coverages I need for Atlanta auto insurance?

Property damage liability: This can help you if you damage someone else’s property with your car on accident - for example, if you rear-end someone.

Bodily injury liability: This can help cover the other driver’s medical expenses if you injure them in a car accident. This is a really important coverage.

Medical payments: Medical payments coverage can help you cover your medical expenses if you’re injured in an accident.

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What are the different car insurance coverages?

There are many different types of car insurance, and they all do different things.

Bodily injury liability: This coverage is required by most states (including Georgia). It helps cover the costs of the other driver’s medical bills and expenses if you injure them in an accident. It can also help you with legal expenses if you get sued. However, it will not cover your medical bills or damage to your vehicle.

Property damage liability: This can help you if you accidentally damage someone’s property with your car. If you’re at fault in an accident, it can help repair the other driver’s vehicle. (This is another coverage required by many states, including Georgia.)

Medical payments: This can help cover your medical bills if you are in an accident.

Uninsured/Underinsured motorist coverage (UM/UIM): This coverage can help you if you are hit by a driver without enough insurance to cover the costs of the accident (an underinsured motorist). It can also help you if you’re hit by a driver without insurance (an uninsured motorist).

What is collision coverage and comprehensive coverage?

Collision insurance can help you repair your car if you’re in an accident. You’ll probably have to pay your deductible, but at least you can get your car repaired.

Comprehensive coverage can help you repair your car if something other than an accident damages it. Some losses that are typically covered are fire, vandalism, falling objects, and animal strikes. It can also cover theft.

What is a deductible for car insurance?

Essentially, your deductible is the amount that you have agreed to pay if you have a claim - for example, it might be $500. In the event of a claim, you pay your deductible and the insurance company pays their part.

When you’re choosing your deductible, be sure to consider how much money you would comfortably be able to afford in the event of a claim and how much your car is actually worth. If you have a higher deductible, your premium could be lower, but you don’t want to set your deductible so high that it would be difficult to pay if you had a claim.

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Those are some of the essential things to know about Atlanta car insurance. Driving is stressful, but when you have auto insurance that fits your specific needs you can feel better about cruising down the street. Questions? Need a quote for auto insurance in Atlanta? Just give us a call, message us, or fill out our online form and one of our agents would be happy to help with your car insurance.