Monday, November 09, 2009

Picking The Right Car Insurance For Atlanta

By Tom J. Landerson

As a consumer, many of us don't think about car insurance as being on the top of the list. By law, we are required to have insurance on our vehicles; with just a few exceptions. Comparison shopping is good, but remember that low price doesn't always qualify as the best deal.

For those of us who have been driving for years, we know that the standard requirements are 25/50/25. For people with cars financed through banks or finance companies, liability is definitely required. Be sure you check the local requirements by law in your area.

Georgia state law requires you to carry coverage at the minimum limits of 25/50/25. Additionally if you have your vehicle financed you are required to carry liability insurance. If you are in an accident that is your fault; liability insurance covers damage and injury to the other party.

Ask your agent about discounts that are available to you regarding your insurance. Consumers are sometimes afraid to ask for a discount on their car insurance or for other purchases. Consider the different car insurance rates offered by many companies and be aware that there may be a difference in service.

There are so many choices available today where your car insurance is concerned. Remember that just because you get a lower price doesn't mean that you are going to get the best deal. Talk to you agent, tell him what you want and don't be afraid to ask questions.

There are some exemptions to the insurance requirement, so check with your agent to see if you vehicle will qualify. We bare the responsibility for our transportation. When we allow someone to drive our vehicle and they have a wreck; we are still held accountable, not our insurance company.

Many, if not all states have made it a requirement that all vehicles carry liability. Georgia and other states require the insurance companies to record the specifics of your insurance policy in the database that covers the entire state. This is how they can better track uninsured drivers.

Tracking insured drivers is done by the Georgia Department of Revenue. Motor vehicles that are registered are compared to policy holders in the database, helping to located drivers that are not insured.

Spending a little more money on a your car insurance will give you piece of mind. Nothing is worse than those massive out of pocket expenses when you find yourself without the proper coverage. Safe is better than sorry you didn't buy right. - 2368

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