Auto Insurance in Dalton, Georgia
Many drivers purchase auto insurance for financial protection against accidents, theft and other vehicle-related incidents. If you are involved in an accident without auto insurance, you may incur substantial out-of-pocket expenses that could jeopardize your financial stability.
Why Do I Need Auto Insurance?
Georgia drivers are required by law to have liability insurance that meets the state’s minimum limits, though you can choose to purchase additional coverage. Also, if your vehicle is financed or leased, the lender or leasing company typically requires it.
What Does Auto Insurance Cover?
Specific coverage and limits can vary based on your policy and individual circumstances. However, some of the common coverages in auto insurance policies include the following:
- Liability coverage may pay for third-party medical bills or damages for which you’re at fault.
- Collision coverage may cover physical damage to your vehicle following a collision.
- Comprehensive coverage may pay for damage to your car caused by noncollision mishaps.
- Medical payments coverage may pay medical expenses for you and your passengers after an accident, regardless of fault.
- Personal injury protection (PIP) coverage may cover medical bills, provide wage replacement benefits and cover funeral costs after an accident.
- Uninsured/underinsured motorist coverage may cover losses from someone who does not have adequate insurance to pay for the damages they cause to you.
How Much Is Car Insurance?
Auto insurance is generally affordable in Georgia. However, premiums are influenced by various factors. Insurers usually consider your age, credit score, driving record, gender and marital status when determining premiums.
For accurate pricing, it’s best to consult an insurance agent to help you find the appropriate coverage at a reasonable price.
Learn More
The experienced agents at Wilson-Southland Insurance can help you explore auto insurance policy options. Reach out today to learn more.