AUTOMOBILE INSURANCE
Experienced Insurance Agency Serving Savannah, GA
When you need auto insurance in Savannah, GA, call First Choice Insurance at (912) 355-0001.
What Is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability, and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Why Do I Need Auto Insurance?
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
What Are Auto Insurance Questions to Ask My Insurance Agent?
- How much can you afford to pay if you get in an accident? (To keep premiums low, you may want a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good drivers, multiple policies, and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
