Whether you’ve just rolled a shiny new vehicle off the lot or purchased a pre-owned, car, motorcycle, boat or RV, now it’s time to decide the right coverage levels for you. Minimum requirements vary state by state, but when shopping for insurance in Atlanta, Georgia, The Henry Agency will provide you with the latest coverage types for our location.
Consider these possible components of your insurance package:
(Includes Bodily Injury and Property Damage) – Property Damage Liability covers the costs of damage you cause to another’s property when you’re responsible for a collision. Bodily Injury Liability covers injury to others and your legal defense costs.
Covers the cost of medical care needed for everyone in the car as a result of an accident, regardless of who’s at fault.
Pays for repairs to damage to your vehicle caused by you in an auto accident, up to the fair market value of your car. Your deductible will determine at what dollar amount your collision insurance activates to cover repair costs.
Pays for damage to your automobile not caused by a collision. For example, damage caused by an animal, falling object, weather or fire. It is often referred to as “other than collision.”
Deductible vs. Premiums
It’s important to balance the affordability of minimums with the reality of accident costs. A larger deductible will mean lower premiums but more out-of-pocket costs in the case of an accident.
If you have a good driving record and take a defensive driving course, you may be eligible for a discount on your auto insurance. Having specific safety equipment on your car can also help. Automatic seatbelts, side airbags, anti-lock brakes, daytime running lights, blind spot detection, lane-departure warning, rearview cameras, anti-theft devices and emergency response systems are all vehicle options that could lower your insurance costs.
Being a customer for a certain number of years can also help you save. Ask your agent about the discounts for which you might be eligible. Talk to an agent at The Henry Agency for Georgia-specific opportunities for discounts.
Your insurance needs will change over time, as your family’s vehicles age and are added or replaced. Contact The Henry Agency for guidance in selecting the right Georgia vehicle insurance for your family.
The Henry Agency can provide coverage for motorcycles, street cycles, cruisers, dirt bikes, touring bikes, scooters and ATVs. Your insurance selection could include:
The Henry Agency can answer all your questions about the specific requirements of watercraft insurance in Georgia.