After taking driving lessons and passing your driving test, you've reached the next stage when you finally have your own car. Before you can drive on the road, auto insurance is top of your to-do list. But looking for an auto insurance company can be a hard topic if you haven't done it before and aren't sure what to look for. Your coverage should reflect your needs, priorities and budget. You’ll want to evaluate how you use your car, what risks you face and what options you want from an insurer before you compare policies and insurers.
To help you on your quest to find the best auto insurance, at GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we give you five questions to find out which car insurance is right for you:
1. What type of Car do you drive?
Insurers have a lot of data, and they know in precise detail what types of cars, makes and models are more or less likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and cost a lot for body work than a mid-sized sedan and your insurance will be priced accordingly. By the same token, you may receive discounts if your car has the latest safety features and a good safety record.
2. What is your risk assessment?
The insurance rate you're offered is based on several factors that comprise how much of a "risk" you pose to the company that is, how likely it is that you'll be making a claim. The more of a risk you pose, the higher your rate will be. Companies use data such as your age, sex, driving record, criminal record, credit rating, where you live and where you park to determine your risk.
3. Who else will be Driving the Car?
Generally, your car insurance will cover other occasional drivers. However, if other drivers live with you and use your car whether a spouse, a teen driver or a housemate, they should be listed on your policy.
4. What are your Legal Obligations?
Nearly every state requires that you carry minimum liability coverage for your car. At the very least, you need to make sure your policy complies with state mandates. However, the levels of required coverage are generally pretty low. To be safe, you’ll probably want additional liability coverage and keep in mind, if you are involved in a serious accident, you may be sued for a large sum of money.
5. Is your Car Financed or Leased?
If you still owe money on your car or have to return it in good condition when a lease expires, you’ll likely be required to insure the car for its full value and even for any gap between what you owe and the car’s market value. Collision and comprehensive will cover damage to your car up to its value and supplemental gap insurance will cover the rest.
For more Information contact us: (706) 884-5006 or (770) 969-5666
Please visit us: www.go-guardian.com
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