Low Cost Auto Insurance in Marietta
Let Us Take the Hassle Out of Searching for Low Car Insurance Rates
Don’t spend your time looking for a great deal on auto insurance. Our agency can take the pressure off of you. It just takes one call to to see how much we can help save you on your auto insurance today! Our agency is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place. Car insurance exclusions are provisions written in the insurance contract. They exclude coverage for a particular driver or event. You should carefully check the Exclusions section in your policy. The most common car insurance exclusions include:
Don’t exchange personal information following an auto accident?
You generally only need give the other driver your name and information (name & phone number of your insurance company).
National Association of Insurance Commissioners (NAIC) has developed a mobile application – “Wreck-Check” to help you take the guesswork out of what information to share. It’s free and available for both iPhone & Android smartphones. WreckCheck App for Smartphones In the course of your lifetime, an auto accident is bound to happen. When it does, take some of the guesswork out of a tense situation with the NAIC's WreckCheck™. This free mobile app for iPhone® and Android® smartphones outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report. Don't have a smartphone? Download a printable accident checklist and other tips for staying calm, safe and smart on the road. |
Why You Need Comprehensive Auto Insurance
It is not a hard task to determine whether you require comprehensive coverage for your car. However, before you make the decision to buy comprehensive coverage, you need to have a good understanding of how it works. Comprehensive coverage is intended to cover a variety of physical damage claims, such as windshield and body damage, vandalism, and contact with an animal. Here is some information about why you need comprehensive car insurance. Do You Have a Loan on the Car? Lenders usually require physical damage coverage on the cars they have financed to drivers. Comprehensive is usually a portion of such mandatory coverage. When you sign the contract for a loan, you agree to protect the car against physical damage by buying both collision and comprehensive coverage. You can end up having to deal with expensive penalties if you fail to notify your lender about your insurance coverage. You should ask your auto insurance agent to add your lender as a loss payee for the car. Doing this will ensure your lender is immediately notified of the coverage in case an accident occurs. What Is Your Level of Risk for Having a Comprehensive Claim? If you have a high level of risk for having a comprehensive claim, you should get comprehensive auto insurance. Some factors that will put you at high risk of having a comprehensive claim include living in a tornado alley or packing your car under a half-dead tall tree every night. Indeed, any driver can benefit from this coverage. However, for some people it’s worth more than others. You should take the time to evaluate your risks before deciding whether to get comprehensive car insurance. In general, one would file a comprehensive auto insurance claim for damage to your car caused by the following: Falling objects like a tree limb Explosions or fire Lightning, floods, or hail from tornadoes, thunderstorms or hurricanes Theft Vandalism and certain civil disobedience Hitting an animal The higher the risk is for a comprehensive claim, the more you should consider getting the coverage. What Is the Value of the Vehicle? If the value of your vehicle is high, this will help you decide whether it is worthwhile to pay for comprehensive auto insurance. If the vehicle isn’t worth much anymore, then coverage might not be worth the investment. How Much Does Comprehensive Coverage Cost? You will be happy to know that comprehensive coverage tends to be reasonably priced. As long as you are not considered a high-risk driver, comprehensive coverage is typically worth the price. Even an older car with minimal value is likely worth the replacement of a windshield from damage. For more information about comprehensive coverage, don't hesitate to contact us. |