Auto Insurance in Covington, GA

Automobile mishaps can be highly distressing, but your car insurance is there to assist as much as possible. With adequate auto insurance, you can avoid substantial out-of-pocket expenses that could strain your finances

How Does Auto Insurance Work?

Car insurance is an agreement between you and an insurer. In exchange for premiums you pay each month, your insurer may cover damages that arise from covered perils up to your policy limit. Depending on your policy, a single claim could encompass several aspects: damage to your car, bodily injury to others, destruction to their property and so much more.

What Does Auto Insurance Cover?

Most basic car insurance policies can help with the following:

• Property damage liability may cover damage you cause to other people’s property while driving.
• Bodily injury liability may can pay for costs associated with injuries or deaths you cause while driving, including lost wages and medical expenses.

While these coverages may be enough to meet Georgia’s legal requirements, they may not provide sufficient protection for your needs. Additionally, if you have an auto loan or are leasing your car, you may be required to purchase additional policies as part of your contract.

Here are some additional policies to consider adding to your car insurance policy:

• Collision coverage may pay for damage to your car if you collide with another vehicle or object (e.g., hitting a tree or mailbox).
• Medical payment coverage may pay for medical expenses associated with injuries sustained in an auto accident, regardless of who’s at fault.
• Comprehensive coverage may cover noncollision damages to your vehicle (e.g., theft or vandalism).

How Much Does Auto Insurance Cost?

Several factors influence your average auto insurance cost. Many auto insurance companies consider the following to determine your premium:

• Your age
• Driving record
• Vehicle make and model
• Credit history
• Claims history
• Coverage options

Get Car Insurance Today

Feel secure and confident on the road with the proper auto insurance policy. Contact Lord & Associates Insurance Agency today for a free car insurance quote.