Auto Insurance in Covington, GA

Car accidents can be stressful, but having the right auto insurance can help ease the burden. Proper coverage can help you avoid costly out-of-pocket expenses that could strain your finances.

For reliable auto insurance in Covington, Georgia, trust Lord & Associates Insurance Agency. With years of experience and a dedication to customer satisfaction, we can offer personalized insurance solutions to meet your unique needs.

What Can Auto Policies Cover?

Auto insurance policies may vary significantly in what they can cover. The most affordable and limited policies typically include:

• Property damage liability coverage may cover damage you cause to other people’s property while driving.

• Bodily injury liability coverage may cover costs associated with injuries or deaths you cause while driving, including medical expenses and lost wages.

While these coverages meet Georgia’s legal requirements, they may not provide enough protection for your needs. Additionally, if you have an auto loan or lease your car, you might need to purchase additional coverage as part of your contract.

Consider adding these optional coverages to your policy:

• Collision coverage may pay for damage to your car if you collide with another vehicle or object (e.g., a tree or mailbox).

• Medical payments coverage may cover medical expenses for injuries sustained in an auto accident, regardless of fault.

• Comprehensive coverage may cover noncollision damages to your vehicle (e.g., theft or vandalism).

• Uninsured motorist coverage may ensure you’re compensated for losses even if the responsible party is uninsured. In Georgia, insurers are required to offer this type of coverage, although you’re not required to purchase it.

How Does Coverage Work?

Auto insurance is a contract between you and an insurance company. In exchange for the premiums you pay, the insurer may cover damage resulting from covered incidents up to your policy limit. Depending on your policy, a single claim could cover various aspects, such as damage to your vehicle, bodily injury to others and damage to their property.

How Much Does a Policy Cost?

Several factors can influence the cost of auto insurance, including:

• Your age

• Driving record

• Vehicle make and model

• Credit history

• Claims history

• Coverage options

Get Car Insurance Today

If you’d like to review available auto insurance policies or evaluate your current coverage, trust Lord & Associates Insurance Agency. We can help ensure you have the proper protection for your needs. Contact us today to learn more.