Auto insurance is required in Georgia. However, there are some things to consider when choosing the right policy for your needs. At Rob Hill Insurance Group in Atlanta, GA, we work with our clients to provide the best policy for them.
Choosing the Right Types of Coverage
Liability insurance is required for all vehicles in Georgia. However, you may also be required to have full coverage insurance if you have a lien on your car.
Even if you aren’t required to have a full coverage policy, it can be a good idea. Can you afford to replace your vehicle if it’s totaled in an accident? If the answer is no, consider a full-coverage auto policy.
You may also need gap coverage if you have a newer vehicle. Gap coverage will cover the difference between the lien on your vehicle and the value the insurance company will pay for the vehicle if it’s totaled.
Choosing the Right Amount of Coverage
In addition to the right types of coverage, you need the right amount of coverage. Georgia requires you to have $25,000 in bodily injury liability and $25,000 in property damage liability.
However, insurance experts typically recommend that you have $300,000 in bodily injury liability and $100,000 in property damage liability.
You’ll need to consider how much car insurance you can afford, as well as the assets that you want to protect. Keep in mind that wages can be garnished if there’s a settlement against you that is more than your insurance coverage limits.
If you have comprehensive coverage, make sure that your collision policy will cover the value of your vehicle.
We Would Love To Help!
If you need auto insurance in Atlanta, GA, contact us at Rob Hill Insurance Group. Our friendly agents will help you select the right policy for you.