Category: Auto Insurance

Auto insurance exists to protect you and your vehicle on the road and when you get in a car accident. Choosing the right auto insurance policy can be tricky because it requires research and consideration. When you are shopping for auto insurance, there are many things to keep in mind. To make it easier for you, here is a list of a few useful tips you should follow when choosing a policy for your car:

Tip 1: Check the mileage

Yearly mileage is one of the factors that determines your premium. It is essential to be as accurate as possible when providing your mileage. You need to analyze your driving habits and calculate how many miles you drive daily and how far you go. Has your commute to work changed recently? Do you take road trips regularly?

Tip 2: Choose the right deductible

Deductibles are the amount you have to pay out of pocket before your insurance kicks in and starts covering the rest. The higher your deductible, the less you will pay for your insurance. However, when you decide the amount to pay for a deductible, make sure you can afford it.

Tip 3: Choose a trusted insurance company

Ensure that the company you are buying car insurance from is experienced and trusted. You also want to ensure the company has good customer service so you can contact them immediately after a car accident.

If you are shopping for auto insurance in Lilburn, GA, or any other nearby town, we have a reliable insurance company you should reach out to. Garrison Insurance Group is a local insurance agency that works with clients in Lilburn, GA, and other areas surrounding the state of Georgia. Feel free to contact us to learn more about insurance options for you.

Lilburn, GA is a small town located in the Atlanta Metropolitan Area. The rural areas around Lilburn provide relaxing scenery for driving. This may be the perfect spot to take your older car for a leisurely drive. It’s important, however, to make sure your older vehicle is adequately insured.

What is Considered an Older Car?

While there’s no specific definition of what is considered an old car, some financial experts recommend switching from full coverage to liability when a vehicle is 10 years old. While the value of each individual car will vary, once a car is over 10 years old, insurance needs for most vehicles will change. No matter how old your car is, in the state of Georgia you will need to have a minimum of liability insurance.

What Kind of Insurance Should You Have?

While newer cars are often more expensive to insure, older cars aren’t automatically less expensive. This is because it’s sometimes difficult to find and replace parts in older cars. The value, age, and use of your vehicle will largely determine what type of insurance coverage you’ll need. Whether it’s worth it to still carry comprehensive and collision coverage for an older car will depend on a few factors, including if you still owe money on the car. You’ll want to talk with an experienced auto insurance agent to find out what type of coverage is best for your older car.

Contact Garrison Insurance Group

Garrison Insurance Group in Lilburn, GA is an independent agency serving the Atlanta area. We provide a wide range of services, including auto insurance. We can provide you with insurance for your older vehicle. Contact our insurance team today for more information.

At Garrison Insurance Group, providing insurance products to residents in the greater Lilburn, GA area, we know that accidents can happen to even the best of drivers. If you have found yourself in that position, we want to help you understand what you need to know before filing an auto insurance claim. 

Consider the Deductible Versus the Damage

One of the first things that you want to do if you are in an accident is to consider your deductible versus the damage. If you were involved in a minor fender bender that left scratches on your car, it might be cheaper to repair the car on your own. However, if there is significant damage, you will want to file a claim. 

Be Sure to Have All of the Information You Need to File a Claim

If you have decided to file an auto insurance claim, make sure you have all of the information you will need on hand to make the filing process fast. This includes having the other driver’s name, license number, type of automobile, and insurance information, and being able to state how and where the accident happened and who you feel was at fault. 

Know That You Can Select Any Auto Body Repair Shop

Lastly, you should always be aware that you have the right to select any auto body repair shop that you wish. Take your time and research different local shops so you are selecting one that is reputable and reliable.

We Are Here To Help!

Filing an auto insurance claim after an automobile accident does not have to be stressful, especially if you know you have a great auto insurance policy that fully covers and protects you. Our team at Garrison Insurance Group, serving the greater Lilburn, GA region, can help you obtain the best insurance policy for your needs. Call us now to begin the process.