What Are the Different Kinds Of Auto Insurance Conyers, GA
Want to insure your vehicle? With various insurance coverage options available, it’s hard to know what’s right for you. The type of car you drive, your zip code, driving record, and any other types of insurance policies you already have might influence what type of car insurance to get.
Learning about the different types of coverage can help you determine the right car insurance policy. Contact Tabb Insurance Agency for the best auto insurance quotes.
Types Of Automotive Coverage Insurance
Your car is an investment that needs protection on the road. Suppose you’re in the market for a car policy or just comparing auto insurance rates. In that case, you may want to consider the following types of insurance coverage options for car owners in Conyers, GA.
Liability Coverage
Liability insurance coverage is a mandatory requirement for car owners in Conyers, GA. Auto liability insurance coverage pays for bodily injuries and property damage to another person in a car accident in which you’re at fault up to your limit. Going without enough liability coverage could bankrupt you if someone sues you and the courts force you to pay for damages, medical bills, car repairs, property damage, and lost wages.
Policies can differ depending on factors such as your age, location, and driving records. To ensure adequate coverage, it’s a good idea to buy more liability insurance than the state’s minimum. Drivers in Conyers, GA, are typically required to pay the state minimum before they get on the road:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $25,000 of property damage liability per accident
Collision Coverage
As the name suggests, collision coverage pays for any repairs or replacement due to a collision. It’s usually included in comprehensive auto insurance policies. The coverage extends beyond your car to have temporary substitute cars, newly-acquired cars, and any cars you’re driving but not owned by anyone in your family. Collision insurance covers your vehicle in the following scenarios:
- Single-car accident involving your car
- Accident with another vehicle
- Vehicle hits an obstruction in the road
- Vehicle collides with a tree or structure
With this type of coverage, the insurer pays out up to your car’s value minus your deductible at the time of the collision. Collision coverage can help you get back to your pre-collision or accident financial situation if you have a high-value car or a newer ride.
Comprehensive Coverage
While not the cheapest car insurance, comprehensive insurance protects you from losses other than a collision with another car or object and a single-vehicle rollover. It typically covers the following:
- Car theft and damage due to theft
- Extreme weather conditions like wind damage
- Fires and explosions
- Violence due to riots or civil unrest
- Hitting or being hit by a stray animal
If you lease a car or borrow a loan to buy a car, your lender will likely require you to take comprehensive car insurance with a fixed monthly premium. The reason is that your lender will want you to have protection if anything happens during the loan term. In most cases, comprehensive coverage includes a deductible that you must pay out of pocket before your insurance takes effect.
Your vehicle’s age, mileage, actual cash value, cost of premiums for your location and age groups, the likelihood of your car being vandalized or stolen, or crime rates, all determine the amount of comprehensive coverage. If you can pay for your car repairs or replacement out of pocket, you probably won’t need full coverage.
Medical Payments Coverage
Medical payment coverage is among the affordable car insurance cover options. An optional add-on to your existing insurance coverage, medical coverage will help pay for medical expenses to you and your passengers, injured or killed in a collision, whether you’re at fault or not. Suppose you’re hurt in a motor vehicle accident while riding in someone’s car, using public transportation, or walking across the street.
In that case, medical payments coverage will take care of any medical expenses according to the policy. In some cases, the policy may cover lost wages too. Unlike basic liability coverage that applies to the other party, medical coverage will take care of your medical expenses up to your policy’s limit. It may also pay for expenses such as chiropractic visits or ambulance rides, which your health insurance may not. There are no deductibles or co-payments with this type of coverage.
Rental Reimbursement Coverage
When you sign up for rental reimbursement coverage with a car insurance company, you will be protected up to your policy limit for any relevant transportation expenses you might incur as mechanics repair your vehicle for a claimed accident. However, it doesn’t apply to any vehicle that needs routine maintenance or if you need to rent a car on vacation.
Emergency Roadside Assistance
Sometimes, things don’t go as planned for drivers. Emergency roadside assistance covers any help you receive on the road, whether a flat tire repair, unlocking your car, or jumpstarting a dead battery. If your vehicle needs towing, the emergency roadside assistance will tow it to your home or repair shop up to the allowed mileage limit.
Mechanical Breakdown Insurance Coverage
Mechanical breakdown insurance works similarly to a vehicle warranty extension. It covers major failures that are frequently overlooked by standard motor insurance. The coverage is available for automobiles that have recently been acquired or leased. Your insurance policy will cover the cost of sudden breakdowns, including bad brakes, electrical system faults, transmission problems, or any major vehicle malfunction.
However, mechanical breakdown insurance doesn’t cover tire issues, routine tune-ups, or any damages due to neglect. If you have any car-related problem in Conyers, GA, you can file a claim with your insurer, and they will reimburse you for the cost of auto repairs.
Uninsured Motorist Coverage
Driver insurance costs more for teens than adults? Yes, it does. Consider the uninsured motorist coverage (UM) that pays for any damages or injuries caused by Conyers drivers who have no car insurance. You’re not required to pay health insurance deductibles, make copays or pay co-insurance.
Coverage usually covers medical bills, pain and suffering, lost wages, and even funeral expenses. If you’re hurt or your car is damaged in an accident caused by an uninsured driver, insurance providers will pay for costs up to the policy limit. The coverage doesn’t cost as much as other forms of auto insurance, and it can save you the agony of winding up in a dire financial situation.
Classic Car Insurance
With classic car insurance, you can have peace of mind knowing that your financial situation won’t change if you, your old-timer, or someone’s property is damaged in a motor accident. This type of insurance covers classic, antique, or vintage rides. Different companies have their definitions of what makes a car classic. Talk to an agent to determine how much car insurance rates you will pay for your old ride.
How Much Car Insurance Do I Need?
The exact amount of auto insurance coverage you’ll pay comes down to your budget, needs, and state requirements. Take time to compare car insurance quotes. Some vital things to keep in mind when shopping for car insurance in Conyers:
- Coverage and limits the state requires for motorists
- Coverage requirements for your lienholder
- Vehicle’s worth now
- The amount you can pay out of pocket any time
- Whether you need to protect your other assets
It’s important to check the state insurance minimum coverage and review coverage options, including car insurance premiums with local car insurance companies, before you make a move. You can use our Coverage Calculator to determine the right amount of coverage for your vehicle.
Looking for Auto Insurance Companies that Offer Car Insurance Discounts? Contact Us for Affordable Auto Insurance in Conyers, GA
You depend on your car to move from one place to another. The last thing you want is to be involved in an accident in a vehicle that’s not properly insured. While we can’t assure you no damage will ever happen to your car, Tabb Insurance Agency can help you protect yourself and your vehicle with the right insurance coverage.
We provide comprehensive auto insurance packages for car owners with single or multiple vehicles. Our car insurance coverage can help protect you from financial loss and the expenses associated with car accidents in Conyers, GA. Call 770-483-1800 or contact our agent online to explore your auto insurance options today.