How to Choose the Right Auto Insurance for Your Car

The first step in choosing the right auto insurance is assessing your needs. Consider factors such as the value of your car, your driving habits and financial situation. Georgia drivers must maintain minimum amounts of auto liability insurance. If you lease or finance a vehicle, your lender may require full coverage auto insurance.

Understand Your Auto Insurance Coverage Options

Auto insurance policies typically offer several types of coverage, each designed to protect you in different scenarios:

• Liability coverage is mandatory in most states and may help cover bodily injury and property damage you cause to others in an accident, up to the policy’s limits.

• Collision coverage may help pay for damage to your car resulting from a collision with another vehicle or object.

• Comprehensive coverage may help cover damage to your car from non-collision events such as theft, fire or natural disasters.

• Medical payments coverage may help pay accident-related medical bills for you and your passengers, up to the policy’s limits. 

• Uninsured/underinsured motorist coverage may help provide financial protection if you are in an accident with an at-fault driver with insufficient or no insurance.

Compare Quotes

Once you have a clear understanding of your needs and the types of coverage available, your agent can help you compare quotes from different insurance providers. Be sure to compare the premiums, coverage limits, deductibles and any additional benefits each policy offers.

Review the Policy Details

Before making a final decision, carefully review the details of the policy. Make sure you understand what is covered and what is not, as well as any conditions that may apply.

Contact Us

Contact Gala Insurance Agency, LLC, in Atlanta, Georgia, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.