Purchasing a new car is exciting, but there are some slightly mundane matters to attend to. One of those matters is insurance. Here’s how to equip yourself with auto insurance when you buy a new car and enjoy your drive without worrying about coverage.
Arrange Insurance Before Purchasing the Car
Before you finalize the purchase of your new vehicle, you need to have auto insurance in place. Georgia law requires all drivers in Commerce, GA to have insurance.
You can start shopping for insurance as soon as you decide on the specific vehicle you’ll purchase. If you want an accurate quote, you need to know at least the vehicle’s year, make, and model, and preferably the VIN too.
Check Lender Auto Insurance Requirements
If you’re financing your new car through a bank or other lender, you’ll need to meet specific insurance requirements. Lenders usually require comprehensive, collision, and gap coverage as part of their investment.
These coverages will likely pay if you’re in an accident that damages or totals the vehicle. The insurance agents at Hyman Brown Insurance Agency Inc. can assist you in ensuring that these three coverages are in place if you’re in a financing situation.
Opt for More Than the State Minimum
All drivers in Commerce, GA are required to carry coverages that meet Georgia’s minimum requirements. However, it is generally recommended that you carry more coverage and higher limits.
Work with an Independent Insurance Agent
One of the best ways to compare policies and opt for the ones that suit your needs is to check quotes with an independent insurance agent. Not only can an independent agent help you choose specific coverages and limits, but they can also verify pricing from several insurance companies.
If you would like to speak to an independent agent about auto insurance, please contact Hyman Brown Insurance Agency Inc.