Car Insurance in Commerce, Jefferson, Monroe, Athens, GA, Loganville & Nearby Cities

Auto Insurance in Commerce, GA, Loganville, Elberton, GA, Lincolnton in Nearby Cities

4 Things To Know About Car Insurance

Griggs Ficklen Insurance provides car insurance in Commerce, GA, Jefferson, GA, Monroe, GA, Athens, GA, Loganville, Watkinsville and surrounding areas. These are a few things you should know about them:

  1. Coverage Types: Car insurance typically consists of several types of coverage. Common ones include:
  • Liability Insurance: Covers bodily injury and property damage that you may cause to others in an accident.
  • Collision Coverage: Pays for damage to your own car in the event of a collision, regardless of fault.
  • Comprehensive Coverage: Provides coverage for non-collision events like theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.
  • Personal Injury Protection (PIP): Covers medical expenses and sometimes lost wages for you and your passengers, regardless of fault.
  1. Deductibles and Premiums: A deductible is the amount you agree to pay out of pocket before your insurance kicks in. Lowering your deductible generally means higher premiums and vice versa. Balancing your deductible and premium is crucial to finding a cost-effective insurance plan.
  2. Factors Influencing Premiums: Insurance premiums are influenced by various factors, including your driving history, age, location, type of car, and credit score. Safer driving records and good credit can lead to lower premiums, while accidents or poor credit may result in higher costs.
  3. Discounts: Many insurance providers offer discounts that can significantly reduce your premium. Common discounts include:
  • Safe Driver Discounts: For maintaining a good driving record.
  • Multi-Policy Discounts: If you bundle your car insurance with other policies, such as homeowners or renters insurance.
  • Safety Features Discounts: For vehicles equipped with safety features like airbags, anti-lock brakes, or anti-theft devices.
  • State Requirements: Car insurance requirements vary by state, so it’s essential to know and comply with your state’s minimum coverage requirements. Failing to meet these requirements can result in fines or legal consequences.

Understanding these aspects of car insurance can help you make informed decisions when choosing coverage. Regularly reviewing and updating your policy as your circumstances change is also important to ensure that you have the appropriate level of coverage. Kindly call us without hesitation.