car insurance

So, you’re on a quest for Atlanta car insurance. One option is Atlanta Grange car insurance. You’re always very busy, though, so you’re hesitant about dealing with car insurance. How can you make insurance as easy as possible? Our team can help with that. Here’s how the insurance process works.

How to get Atlanta Grange car insurance.

1. Get in touch with our team.

The first thing that has to happen at the start of the process is getting in touch with our team. Since we want to make sure that getting a quote for Atlanta Grange car insurance is as easy as possible, we have a few different ways that you can talk with our team. You can choose what works best for you. We want to provide a stress-free insurance experience.

Phone. You can just pick up the phone and give us a call if you want to have a chat about your insurance needs. We greatly appreciate a nice conversation about insurance, so we’d love to have a phone call with you to help with getting a quote for Atlanta Grange car insurance. Anyway, a simple phone call is an easy way to get started with your insurance.

Online form. You can also fill out our online form to get in touch with us and get started with your car insurance quotes. The form just lets us get some of the information we need to get your quote. The form is pretty quick, and it gives us the opportunity to collect some of the details we need. So, if you want to get in contact with our team, our form is a good way to get started.

LiveChat. We’ve got LiveChat so you can send us a message and chat with our team. It’s another quick and easy way in which you can contact us. So, if you’d rather not talk on the phone or use our online form to talk with us, you can just send us a message through LiveChat and strike up a conversation with us about your insurance.

Email/Text. If you don’t want to talk on the phone with us because you’re busy and on the go, that is completely fine. We can email or text you if that works best for you – just let us know that that’s easiest for you and we can make that happen. Email and text are both fine with us.

2. We’ll have a conversation about your insurance.

The next thing that happens is we have a chat with you about your insurance. We want to help you get you the coverage you need. We also want to make sure that we get the chance to introduce ourselves. Anyways, we won’t take up too much of your time because we know that you’re busy and can’t spend all day dealing with insurance stuff. So, we’ll just have a quick conversation about your insurance.

3. We’ll get your quote.

We can imagine that at this point you’re wondering when we’re going to actually get around to getting that quote for you. We understand – enough talk, more insurance quotes. So, we’ll go fetch your quote and prepare it for you. (That’s the whole goal of the process, right?) We know you don’t want to spend forever waiting for your insurance, so we’ll be quick about getting your Grange car insurance quote in Atlanta.

4. We’ll go over the quote with you.

The next thing that happens is we’ll go over the quote with you and let you ask any questions you have. We want you to feel good about your car insurance policy, so we’ll clarify what needs to be clarified. There’s a lot of insurance stuff that seems complicated, so we can help with any decoding if needed. So, feel free to throw any questions our way – we really love questions and talking about insurance, so it would actually make our day if you were to launch some queries our way.

5. We’ll be here to help with your insurance.

When you’ve got your insurance, we’re not going to mysteriously vanish. Let’s say a question or concern comes up. We won’t ignore you in your time of need. We’ll be here to help with anything insurance-wise. All you have to do is reach out to our team and we’ll be on the case, ready to lend a helping hand.

So, that’s how getting a quote for Atlanta Grange car insurance works. We’re here to give you an easy, stress-free insurance experience. Fill out our form, give us a call, or message us on LiveChat to get started with your quote.

If you drive in Atlanta, you know you need the right car insurance just in case things go…awry. It’s really important to have car insurance that suits your needs. Maybe you’re considering Atlanta Travelers car insurance. If that’s the case, you might be wondering how to get a quote for Travelers car insurance in Atlanta. Well, you don’t have to do it alone. Our team of agents can help, and here’s how.

How to get Atlanta Travelers car insurance.

1. You get in touch with our team.

The first thing that has to happen, of course, is you reaching out to us. We need to know that you’re looking for Atlanta Travelers car insurance. Now, you might groan and dread having to deal with insurance, but we do our best to make things easy and convenient. We have a few different ways that you can reach out to us, and you get to choose what’s going to work for you. Here are your options.

Phone. If you prefer to talk on the phone, we can certainly manage that. When you give us a call, we can connect you with an agent who can assist you with your quote. Dealing with insurance over the phone might be most convenient for you, so you can just give us a ring. We like talking on the phone, so call away!

Online form. You can also fill out our online form to reach out to our team. The form includes several questions that help with the insurance quoting process, so it lets us collect some of hte information we need to get your Atlanta Travelers car insurance quote. So, you can fill out the quick form to let us get a bit of a head start.

LiveChat. We also have LiveChat so you can message back and forth with us about your insurance. Maybe you’re not a fan of talking on the phone, and that’s fine. LiveChat is an easy, convenient way to connect with one of our agents, who would be happy to help with your insurance needs. LiveChat with us and let us know you’re looking for Atlanta car insurance from Travelers.

Email/Text. You might not be able to talk on the phone or carry on a chat conversation with us. And that’s okay – we can email or text with you, if that’s most convenient. All you have to do is let us know that you’d prefer to email or text with us and that can be arranged. Like we said, we want to make insurance as easy as possible.

2. We’ll chat with you about your insurance needs.

We need to have a quick chat with you about your insurance needs. We want to make sure we have the information we need so we can get you the coverage that suits your needs. That means we have to ask a few quick questions and have a brief conversation about your insurance. We understand that you are very busy, though, so we won’t take too long and we’ll keep the discussion brief. We don’t want to monopolize your time with insurance matters – we know you would probably prefer to not spend all day thinking about car insurance.

3. We’ll go get your quote.

Next on the list is the part where we go forth and get your insurance quote. Our agents enjoy working at a mind-blowing speed, so we won’t keep you waiting. We’ll get you that quote in a timely manner so you don’t end up tapping your foot in impatience. Our goal is to provide a stress-free insurance experience.

4. We’ll go over the quote with you.

When we get your quote, we’ll go over the coverage with you so you won’t feel overwhelmed by the coverage and all of the insurance terms. We really enjoy talking about insurance and getting into the nitty-gritty of insurance concepts, so feel free to ask us questions to your heart’s content. We know that insurance can be stressful and scary, so we want to put your mind at ease by explaining anything about the car insurance policy that needs clarification. That’s how we like to do insurance.

5. We’ll be here to help.

We also want to help with your insurance after your policy is in place. Whenever you have a question or a concern, we want to hear about it. Reach out to our team and let us know how we can help. You don’t have to deal with insurance on your own when our agents are around. We’ll be right there with you.

And that’s how you get a quote for Travelers car insurance in Atlanta. All you have to do is reach out to our team and we would be happy to help with your insurance needs – and make insurance as easy as possible. So, fill out our online form, give us a call, or message us on LiveChat and get started with your quote today.

If you’re looking for car insurance, you might be considering State Auto car insurance. It’s important that you have the right coverage to protect yourself when you hit the road. But you might not want to deal with getting car insurance on your own – that sounds messy and complicated. We know that a lot of people don’t really like handling insurance, and we can help you get Atlanta State Auto car insurance. Here’s how that whole process works.

How to get Atlanta State Auto car insurance.

1. You get in touch with us.

We want to make insurance easy, and that means that you get to choose how you talk to our team. We have a few different ways you can get in touch with our agents. We want to make communication simple and convenient. The last thing we want is for you to feel stressed out just trying to talk to an insurance agent to get your insurance sorted out.

Phone. You might just want to have a quick phone call to get started with your insurance. Some people prefer talking on the phone and taking care of insurance with a conversation. Our agents like talking on the phone, so we would be delighted to have a call with you. You can just give us a ring and we’ll connect you with an agent who can help you with your insurance needs.

Online form. We also have an online form so you can get in touch with us through the Internet. This lets us collect some of the information we need to assist you with getting an Atlanta State Auto car insurance quote. That way we’ve already gathered some of the important details we need.

LiveChat. You can also message us on LiveChat – we have a messaging system so you don’t have to call us if you don’t want to. We love LiveChat, so feel free to jump into our messaging system and send us a note that you need car insurance. We’d be happy to chat with you.

Email/Text. If email or text is more convenient, we can do that, too. Just let us know what method of communication is best for you. We get that you’re busy and can’t always slow down long enough to make a phone call.

2. We’ll have a quick chat.

Next, we’ll introduce ourselves to you so that you can at least have a voice to place with the insurance agency! We want to make sure we have all the information we need to help you get the coverage that best suits your situation. But you don’t have to worry – we won’t take up too much of your time and you won’t be stuck talking to us all day. (We don’t take offense – we know that you probably want to spend the least amount of time possible talking about insurance.)

3. We get your quote.

The next step is that we’ll go forth and get your quote. That’s kind of the objective of the entire mission, right? To get an Atlanta State Auto car insurance quote? So that’s what we’ll do. We’ll get you that quote you need for your car insurance. We like to be lightning-fast, so we won’t keep you waiting too long.

4. We’ll go over the quote with you.

The next thing that will happen is we’ll come back to you with your quote. And since we don’t want you to feel confused or overwhelmed, we’ll go over it with you and give you the opportunity to ask any questions you might have. We like being helpful, and in our books that means making sure you’re good with your car insurance policy. So, throw any questions you have our way. We’re happy to field them.

5. We’ll be here.

Once you’ve got your insurance, you’re not going to be on your own. We’ll be here to answer any questions that come up or address any concerns that need to be taken care of. We won’t abandon you right when you need some assistance with your insurance. That’s not our style. We’re here to help with your insurance needs.

So, that’s how we can help you get a quote for State Auto car insurance in Atlanta. Get started with your quote by filling out our online form or giving us a call. (And if you need home insurance or renters insurance, we can help with that, too!)

So, there are a lot of different car insurance coverages out there. They all have different (often confusing) names and they all do different things. The thing is that these coverages all work together to protect you from the various risks you face when you get behind the wheel. It’s important to understand how each coverage differs from the next so that you know what risks you’re protected from. Two coverages that might seem similar at first glance are your liability coverage and medical payments coverage. We’ll explain each of these coverages and why they’re different.

What is liability insurance?

When you drive, you’re sharing the road with other drivers. What happens if you hit another driver or cause an accident? You’d have some legal responsibility to the other driver. That’s where your liability insurance comes in.

Bodily injury liability can cover the other driver’s medical bills and their pain and suffering. It can even cover the wages they lost while unable to work due to the accident.

Property damage liability can help cover the expenses of repairing or replacing the other driver’s car. (It can also cover other property that you happen to take out, such as a fence.)

It’s also important to note that your liability insurance can help cover your legal expenses if you’re sued because of the accident.

Most states require drivers to carry liability insurance to legally be able to hit the road. Georgia requires drivers to have $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability. Again, this is to cover your obligation to the other driver if you hit them and cause an accident. With medical expenses being what they are, it’s easy to see why this is such an important coverage.

It’s important to have high enough limits of insurance to truly protect yourself if you’re involved in an accident. You want to be able to cover the expenses you’re obligated to pay to the other driver without putting your assets in jeopardy. Serious accidents can come with some very serious expenses.

What is medical payments coverage?

Medical payments coverage, on the other hand, is a no-fault coverage that can help you cover your own medical bills – and those of your passengers – if you’re in an accident. It may also help you if you’re riding in someone else’s car and get into an accident. Plus, if you’re walking or biking and you get hit by a car, medical payments might help you cover those medical bills.

However, you need to be sure that you understand how your medical payments coverage works with your health insurance. If you have health insurance that would be there for you in the event of an accident, you might not need medical payments coverage. Make sure that you check out your health insurance to see what would happen if you’re in a car accident.

The difference.

So, the main point we’re making is this: bodily injury liability doesn’t help cover your medical bills following an accident. That’s not what it’s designed to do. (Likewise, it won’t cover your own car following an accident. You would need collision coverage to help you out in that case.) Medical payments, however, can help with those medical bills.

The other point we’re making is that it’s important to understand the coverages you have for your car and how they work. Are you covered for all the risks you face? Do you have coverages like collision and comprehensive that can help repair your car if something happens to it? Do you have coverage like rental reimbursement that can help cover the costs of renting a car if yours is in the shop following an accident?

It might seem overwhelming, but it doesn’t have to be. Our team of insurance agents can help you get the car insurance you need to make sure you’re protected when you hit the road. We strive to make insurance easy, too, so that you don’t have to worry about getting stressed out when you get auto insurance. Anyways, all this is to say that you can get in touch with our team by filling out our online form, giving us a call, or messaging us on LiveChat. We’re happy to help with your insurance needs.

 

Whether you’ve had your car for a few months or a few years, sooner or later, you’re going to have to service all its little moving parts. It can be expensive, time-consuming, and just generally unpleasant if you’re not an auto enthusiast. But there are tons of benefits to maintaining upkeep of your vehicle. These are some of the core reasons why maintaining your car is so important.

The importance of maintaining your car.

1. You’ll have a smoother drive

The funny thing about cars is that they give you warning signs of the slightest issues, and we’re not talking about just your “Check Engine” light. There are tons of sensitive parts working together to keep your car going. If even one of these parts isn’t performing at its best, you could hear grinding, squeaking, or simply the sounds of your car working harder than usual. You might also feel a shake in the steering wheel, excess heat from the hood, or a new, weird way that your engine turns over.

In any case, regular car maintenance can catch small problems like these quickly so that you have less of a rough ride on the road.

2. It saves you money in the long run

Maintaining your car can also save you from more expensive vehicle repairs later on. If something seems expensive to repair now, the replacement cost of the malfunctioning piece is usually a lot more. For example, not getting an oil change can cause parts of your engine to fail due to a lack of lubrication between parts or warping due to temperature control.

It’s important to note that your car insurance probably won’t cover damages due to neglecting vehicle maintenance. So, if something like that does happen, you’ll need to come up with the money yourself.

3. You’ll get better mileage

Think about it like this: you would run a marathon much more slowly and with greater strain if you weren’t at peak condition than if you were, right? That’s kind of how your car works. If something is wrong with it or its parts aren’t at their best, it takes a lot more effort to run like it normally should – which means it needs more fuel to run at the same pace as a “healthy” car. So, think of maintaining your car as being good for its health.

Regular vehicle maintenance can make sure that there are no loose or cracked hoses leaking vital fluid everywhere. It can also help keep your filters and tanks clean and using all the respective fluids possible in the best way. That way, you can get the most out of each gas fill-up (which, these days, are not cheap).

4. It helps you keep control of the car

Your ability to handle a car can depend on everything from power steering fluid to alignment to certain gears. If you take your car in for maintenance, even just an oil change and tire rotation, your mechanic should be able to tell you about these issues before start struggling with your steering wheel. Some auto shops will even offer you a free diagnostic check if you tell them about your car issues, so maintaining your car can be really helpful.

5. Your tires last longer

In a regular maintenance check, a mechanic can usually tell you if there’s any uneven wear on the inside or outside of your tires. They can tell you if your air pressure is low, if your alignment is off, and if it’s time to get new tires.

(You also need to keep an eye on your tire treads to make sure your tires aren’t too worn or going bald.)

The treads on your tires are especially important for maintaining a safe stopping distance as well as driving and braking safely in the rain. So, this is definitely not a type of vehicle maintenance you want to put off.

6. Your car will last longer

Let’s turn back to our body analogy. If you feed your body the right fuel and keep your parts working well, then you’ll generally live longer. If you give your car the right fuel and keep its moving parts working properly, you’ll have the car longer. A mechanic is like your vehicle’s doctor. They check what may be wrong with your car, what you need to keep an eye out for, and how to keep its “body” healthy for the future.

7. Your car is safer overall

Even minor car issues can negatively affect the way your car drives. However, it can also affect your ability to stay safe on the roads. Of course, you want to get regular oil changes to keep the moving parts of your engine from grinding against each other. Of course, you want to replace your brake pads before they stop working while you’re driving. Still, some people neglect another vital part of their car’s maintenance that can keep you safe – how clean the car is.

Keeping your car clean, dusted, and vacuumed can help keep your cabin filters clearer, your windshield and mirrors crisper, and generally make your driving experience more comfortable. In turn, this gives you a clearer view of your surroundings, a greater sense of alertness, more attentiveness, and greater reaction times while you drive.

8. It’s the law

In some states, certain types of vehicle maintenance are required. Emissions testing has been a huge example of this in the past few years, and for good reason. Besides preventing the pollution of the environment, your emissions system can keep vital parts under your car from getting dusty, dirty, and therefore potentially damaged or not running optimally. So, check your state and city laws regarding how frequently you need to test your emissions and other systems.

There are tons of other ways that maintaining your car can benefit you in the long run. But if you keep these major reasons in mind, your next trip to the mechanic might not seem so bad.

If you’re looking for lower rates on the car insurance you need, talk to our agents today. We love making insurance easy, and we’re masters at finding the discounts that fit you. To start your free quotes on affordable auto insurance, just give us a call, fill out our online form, or LiveChat with a professional today.

Even the best and most experienced drivers may hit a parked car in their driving career. You may think, “How could someone possibly hit something that’s not moving?” But it’s more common than you think. In fact, a study showed that around 69 percent of hit-and-run accidents happened to parked cars. But how can you be the responsible party if you’ve made this small oopsie? Let’s take a look.

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Imagine this – you’re in the grocery store. You’re pretty pumped because they had your favorite ice cream on sale. You walk out to the parking lot and to your car…only to have any thoughts of sundaes vanish. The rear end of your car is pretty smooshed. Someone hit your poor car. Now instead of debating topping choices your question is this – are you covered if someone hits your car in a parking lot? We’ll explain.

If the other driver left you a note with their information…

Well, it would be nice if the other driver left a note on your windshield with their name and contact information. That would be helpful – and it’s also common courtesy. If you have the other driver’s information, you can give them a call and see about getting the damage repaired through their property damage liability coverage. That could be a viable option for getting the damage repaired. (In theory, the other driver should have property damage liability insurance – Georgia requires drivers to carry $25,000 of coverage per occurrence.) Then you could get your car all fixed up.

Pro tip: Take pictures of the damage.

What if the other driver took off after hitting your car in a parking lot?

What if the other driver is nowhere to be found? They might have backed into your car in the parking lot and split. (Which is pretty rude.)

You could get the damage to your car repaired through your collision coverage. (This is the coverage that can help repair or replace your car if it’s damaged in an accident or by a, well, collision with something.) If that’s what you want to do, you might want to give your insurance company a call and let them know what happened. They can give you some guidance on how to proceed.

However, you have to consider your deductible. Are the costs of the repairs going to be higher than your deductible? If they aren’t, your insurance might not be too much help. (Your deductible is how much you agree to pay if you have a claim – you have your deductible and insurance helps take care of the rest up to the policy’s limit.)

Pro tip: Call the police and have them file a report. This could help with the insurance claim.

But – if you don’t have collision coverage and you can’t locate the other driver…that’s unfortunate. Your liability insurance won’t help cover the repairs because, quite simply, that’s not what it does. Your liability insurance can help you cover your legal obligation to the other driver if you’re at fault in an accident, but it doesn’t cover your car. Bodily injury liability can help cover the other driver’s medical bills and pain and suffering while property damage liability can help cover repairs of the other driver’s car – and possibly other property you happen to damage.) It can also cover your legal expenses if the other driver sues.

Long story short – if you only carry liability insurance, your insurance isn’t going to be super helpful. That’s not its job.

So, that’s how you could get your car repaired if someone hits your car in a parking lot. You might be able to go through the other driver’s liability insurance. Or you could go through your own collision coverage if there’s no way to get ahold of the other driver. So, you have options! Your poor car will not have to stay damaged forever.

And another option you have is choosing what car insurance you want. We can help you get quotes for your car insurance to help you get great insurance at a great rate. All you have to do to get started with your auto insurance quotes is fill out our online form, give us a call, or message us on LiveChat.

Buying a car is a big purchase. There’s a lot you have to consider when you decide to get a new vehicle, and it can be a time-consuming process. As evidenced by Atlanta traffic, many people in the city and metro areas need cars to get around. Public transit in Atlanta…well, they tried. Anyways, you want to make sure you’re completely happy with your new ride, after all, because if you’re not…well, that’s unfortunate. You might just be stuck with that car for a while. Anyways, we’ve got a few tips for buying a car in Atlanta.

8 tips for buying a car in Atlanta

1. Know your budget.

Well, first things first, right? You need to know how much you’re willing to spend on your car. It’s a good idea to know what your price range is when you’re going in. That way you might be able to avoid falling in love with a car, only to find that it’s not exactly realistic. That only leads to heartbreak. So, protect your heart – and your bank account – by knowing what’s going to work out for you money-wise.

2. Do your research.

When you’re buying a car, you need to make sure the car is going to suit your needs. Consider what you’re going to be using the car for. Are you going to be commuting a ways for work? Or are you looking for a vehicle to drive the kids around? Think about what kind of car will make the most sense for you.

This can give you a place to start when you’re thinking about what kind of car you want to get. Do you want a sedan? An SUV? A van? A crossover? (Or maybe start simpler – do you want a small car or a big car?) Once you’ve got an idea of the kind of car you want, you can start considering make and model.

Next is thinking about other details. What are the safety and crash ratings of the car you’re thinking about? Is the car a reliable one? (Since you probably want your car to last you a while, safety and reliability are kind of important.) Do some reading up on the types of cars you’re thinking about. You can also ask friends and family about the cars they drive – maybe they happen to drive a car that you like, or maybe they once had the same make and model of car that you’re thinking about.

Okay. If you have a general idea of the make and model of car you want, you also have to decide whether you want to buy a new car or a used car. Would you rather have a brand spanking new vehicle, or are you okay with one that’s gently used with a few miles on it? (This may make a difference in the price you’ll pay for the car – keep that in mind.) There are pros and cons to both a new car and a used car.

Phew. That’s a lot of things to consider…and it doesn’t end there.

Now comes the super fun part – price. Since buying a car is a big thing, you want to make sure you’re getting a fair price. And that means you need to do yet more research to find out what’s a good price for the year, make, and model of the car you’re considering. You’ll have an idea of how much you need to be prepared to pay when you go to actually purchase the vehicle. That way you know if the car salesperson is giving you a price that’s decent or a price that’s ridiculous. Even if you really want the car, you might need to be patient if it means saving some money. (You also might want to compare the price of getting a used car versus getting a new car – will you save a significant amount by getting a car that’s a year or two old?)

Pro tip: If you’re getting a used car, you might want to take it to a trusted mechanic to have a once-over to make sure everything’s okay.

3. Consider how you want to finance the car.

Okay, unless you’re absolutely rolling in money or you’ve been saving up for quite a while, you’re probably thinking that you’re going to need to get a loan for the car.

Check out some different options to get the money to buy the car. Do you want to finance the car through the dealership, or do you want to take out a loan from your bank? What’s going to be the best game plan in the long run? There’s more than one way to finance a car.

4. Do some test drives.

It’s also important to test drive different vehicles. That way you can decide on the make and model that works best for you. Reading about a car online might give you an idea of what it’s like, but that’s not the same as actually being able to see the car itself – or taking the wheel and going for a test drive. You need to see how the car handles.

And when you’re ready to buy a car, you might want to test drive the specific vehicle that you’re going to purchase. (That way you can see if it has any issues and if it handles the way you thought it would.)

5. Consider going to different dealerships.

If you’re not finding what you’re looking for at the dealership you visit, go to a different one. Find out what dealerships are in your area and maybe plan to go to a few of them before you get your car. You never know – you might be able to get a vehicle with different features.

6. Be prepared to negotiate.

You’ve got to be prepared to negotiate when you walk into a dealership. It can be a little scary, so don’t let yourself get pushed around and don’t get pressured into buying a car that you’re not 100% sold on. It can be intimidating, so go into it knowing that you can walk away. (Also – don’t be afraid to walk away if it doesn’t seem like you’re going to get a good price.) The negotiation process can be a bit of a rigmarole and a little back and forth. Try not to get too flustered. And remember – they can’t force you to buy a car. It’s your money.

7. Don’t forget car insurance.

There’s another expense you have to remember when you’re buying a car: auto insurance. You can’t avoid it. The state of Georgia requires drivers to carry $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per occurrence, and $25,000 of property damage liability. At any rate, it’s important to have a game plan for insuring your new car and to familiarize yourself with the coverages you might need. We’ll give a brief overview of some different coverages.

• Bodily injury liability: Helps cover the other driver’s medical expenses and pain and suffering if you’re at fault in an accident. (Can also help with your legal expenses if you get sued.)
• Property damage liability: Helps cover the repairs or replacement of the other driver’s car if you’re at fault in an accident – and may help replace other property you might damage, i.e. a fence.
• Collision coverage: Helps repair or replace YOUR car if you’re in an accident or if you hit something.
• Comprehensive coverage: Helps repair or replace YOUR car if it’s damaged by something other than an accident. Losses covered typically include fire, theft, vandalism, animal strike, and falling objects, i.e. a tree branch.
• Uninsured/Underinsured motorist: Helps you out if you’re hit by a driver without insurance (uninsured) or without enough insurance to cover the damages of the accident (underinsured).
• Rental reimbursement: Helps cover the cost of a rental car if your car is damaged in an accident and needs to be in the shop.
• Medical payments: Helps cover your medical bills and those of your passengers if you’re in a car wreck.

Note: You may be required to carry collision and comprehensive coverage if you’ve got a car payment and a lender.

8. Think about gap insurance.

Now. If you’re buying a new car, you might also want to think about gap insurance.

Here’s the thing:

The value of a car depreciates rapidly. It’s just a fact. So, if you’ve taken out a loan to pay for your car, you might end up owing more on the loan than your car is worth. If your car is totaled, you’ll probably only get the Actual Cash Value of the vehicle at the time of the loss – meaning its depreciated value. And, as we said, that amount might be smaller than the amount you owe on your loan – in which case, you’d have a bit of a sticky situation on your hands.

But that’s where gap insurance comes in. It can help you out if you find yourself in the pickle of having a loan balance that’s greater than the value of your car.

For example, let’s say you take out a $28,000 loan to pay for your car. You’re paying it off. You owe $26,000 on the loan and the vehicle is worth $24,000 when you’re in a bad wreck and the car is totaled. That $2,000 is the “gap” we’re talking about here. (Well, it actually stands for guaranteed asset protection, but gap just makes sense.)

Okay. At this point, you might be asking yourself if you’re still set on buying a car. It seems exhausting. But it’s worth it. If you take your time and remember to be patient, you’ll be cruising along in your cool new ride in no time.

And if you need insurance for that new car, we can help. Give us a call, message us on LiveChat, or fill out our online quote form and we’ll be happy to help you get the coverage you need to protect yourself and your new baby.

So, car insurance is a thing. It’s just something you can’t avoid if you want to drive on Atlanta’s streets. And the problem is that it’s a hit to your wallet when you have to cough over the money for your car insurance premium. So, why is that necessary? Why do you need to get car insurance? Well, there are plenty of good reasons, and we’re going to go over four of them.

Why do I need to get car insurance?

1. It’s the law.

States require drivers to carry certain amounts of car insurance. It’s just the law. Georgia, for example, mandates drivers to carry $25,000 bodily injury liability per person, $50,000 bodily injury liability per occurrence, and $25,000 property damage liability. These requirements for limits of insurance are meant to protect other drivers on the road from, well, you.

Bodily injury liability can help cover the other driver’s medical bills and pain and suffering if you’re at-fault in an accident, while property damage liability can help with the repairs or replacement of the car. (Basically, it helps you cover your legal obligation to the other driver if you injure them or damage their car in an accident.)

If you don’t have proper car insurance and you get pulled over or cause an accident, you could have some major trouble on your hands.

(Note that we didn’t mention anything about liability insurance protecting your car…because it doesn’t. We’ll get to that in a minute.)

So that’s one (but really two) good reasons why you need car insurance: because it’s the law and because it can help you help those that you could injure in an accident.

2. Car insurance can help you repair your vehicle if it’s damaged by a covered loss.

If you have collision and comprehensive coverage, your car insurance can help you repair or replace your vehicle if it’s damaged by a covered loss. (Remember, your liability insurance only helps you cover your obligation to the other driver if you’re at fault in an accident – it won’t cover damages to your car. It also won’t help you if your car is damaged by something other than a collision, like fire.)

So, that’s why you ought to consider having collision and comprehensive coverage.

Collision coverage – Helps you repair or replace your vehicle if it’s damaged in a wreck or by a, well, collision with something.

Comprehensive coverage – Helps repair or replace your car if something other than a collision damages it. Some losses that can be covered are: fire, theft, animal strike, vandalism, and falling objects (i.e. a tree branch.)

While Georgia technically doesn’t require you to have collision and comprehensive coverage, it’s definitely something to think about. It can be a real financial safety net if some sort of calamity befalls your car. Don’t overlook it – your car is a huge financial investment, after all. So, there’s another reason why you need car insurance.

3. Your lender/lienholder may require you to carry collision and comprehensive coverage.

If you have a lender or lienholder for your car (the people who ask politely for money for your car payment) they may require you to have collision and comprehensive coverage for your car. That makes sense – they want to make sure the car they helped you pay for is protected. It’s important that you know what their requirements are and that you get the insurance they want you to have.

4. With UM/UIM coverage, you can be protected if you’re hit by a driver without insurance or without enough insurance.

Let’s say that you’re involved in a car accident and the other driver is at fault. The only problem is that they don’t have enough insurance to cover all of your medical bills resulting from an accident – they’re underinsured. Or what if they don’t have insurance – they’re uninsured. With uninsured/underinsured motorist coverage (UM/UIM coverage), your car insurance can help you if the driver who hit you doesn’t have enough insurance (or any insurance) to cover all of your medical bills or the total cost of the accident. (Even if the driver has the legal, required limits of car insurance, those minimum limits might not be enough to cover all the costs of an accident.) As we all know, hospital and medical expenses can be quite astronomical. With UM/UIM coverage, you could get some help covering those bills.

So, those are four compelling reasons to get car insurance. Not only is it the law, but it’s also a financial safety net. Get started with car insurance quotes by filling out our online quote form, messaging us on LiveChat, or calling us.