Auto Insurance in Newnan, GA
As a responsible vehicle owner, it’s important to take steps to protect your vehicle from risks and incidents that could lead to significant financial loss. Auto insurance is an essential safeguard to help you remain financially protected after accidents, thefts, or other unforeseen events, while meeting state legal requirements.
What is Auto Insurance and What Does it Cover?
Auto insurance is a contract between you and an insurer who provides financial protection as outlined in your policy. It can cover liability claims and property damage, and it is typically required by law.
A typical auto insurance policy includes the following coverages:
- Liability coverage may cover damage or injuries you cause to others.
- Medical payments (MedPay) may cover medical expenses for you and your passengers if injured in a collision, regardless of fault.
- Uninsured/underinsured motorist coverage may cover damages if the other driver is at fault and has insufficient or no insurance.
- Collision coverage may cover damage to your car from a crash with another vehicle or object, regardless of fault. This coverage usually has a deductible, or an amount you must pay out-of-pocket before the insurer compensates you.
- Comprehensive coverage may cover damage to your car in non-collision incidents, such as theft, fire, weather events, and animal strikes.
How Much Does Auto Insurance Cost?
Details about your vehicle, such as the car’s make, model, and value, contribute to how much your auto insurance premium is. Your personal details, such as driving history, location, and claims history, also factor into your premium. A higher deductible typically results in a lower premium, but you may end up paying more after an incident.
Contact Us
Contact Martinez Insurance Services in Newnan, GA can help you navigate the coverage options available for your needs and budget. Contact us today for a personalized quote or more information.