What you should consider before buying your first Car Insurance

When you buy your first car, you feel it is an important moment since the independence that comes from having your own auto is a great privilege. At the same time, being a car owner means you have an important decision to make: What coverages do you need in your first car insurance policy?

Usually the first thing you think is to ask your insurance agent for the least expensive policy. However, once you clearly understand what each part of your car policy covers, you may decide that cheaper is not necessarily better. Keep in mind that if your car was totaled in an accident, or you seriously injured someone, a few extra dollars of insurance coverage per month could be money well spent.

At  GUARDIAN   INSURANCE   AGENCY   located  in  Fairburn,  Lagrange  and Norcross, we give you the most important coverages  to  consider  for  your Car Insurance Policy:

1. Coverage that helps pay for damages you caused:

There are two types of liability coverage. Both are required by law in most states.

- Bodily Injury Liability: If someone is injured as a result of a car accident you caused, this coverage could help pay for your legal fees, as well as the person's medical bills and lost wages. This coverage often includes two separate limits: one that applies to each injured person and a second that applies to each accident.

- Property Damage Liability: If you damage another person's property with your vehicle, this coverage can help protect you. Property damage coverage can help reimburse the other party for their losses, so you do not have to pay for them out of your own pocket.

2. Coverage that helps protect you if you are injured:

- Personal Injury Protection (PIP): If you are injured in an automobile accident, this coverage can help pay your health insurance deductible, as well as medical costs that exceed your health insurance limits. This coverage can also help pay for your lost wages and "loss of services" (such as picking up your children from school, while you recover).

- Medical Payments: Like PIP, this coverage can help pay for your medical bills related to a car accident. However, this coverage also extends to your passengers and a family member who was driving the car when the accident occurred. In addition, if you or a family member are injured in another car or as a pedestrian, this coverage can help pay for medical expenses.

3. Coverage that helps protect you from uninsured drivers:

- Uninsured or Underinsured Motorist: This coverage may help protect you if you are hit by a driver who does not have car insurance or whose policy limits are too low to cover the total costs of the accident. It can help pay for your medical bills and depending on your state's insurance laws, possibly for damage to your vehicle.

4. Coverage that helps protect your vehicle:

- Collision: If you need to repair or replace your vehicle after a collision with another car or object, this coverage can help cover the costs.

- Comprehensive: This coverage can help pay for damages to your car that is not related to an auto accident. (Theft, damage by animals, fire or falling objects)

- Guaranteed Asset Protection (GAP): If your vehicle is totaled in an accident or stolen, the insurance company normally will pay you fair market value for the car. However, if you still owe a financial institution more than the car is worth, the GAP coverage can help reimburse you for the cost difference.

Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we can help you choose the coverage that's right for your needs.

For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: www.go-guardian.com