Auto Insurance in Lawrenceville, Georgia
Your auto insurance coverage can help provide financial protection after a damage-causing accident or incident. Contact Paramount Insurance & Multiservice today to start building your personalized car insurance plan.
What Factors Determine the Cost of Auto Insurance Premiums?
One of the primary factors that helps determine how much you pay for auto insurance is your driving record, including any accidents or traffic violations. Your claims history can also affect premiums and depending on your state, your age, gender and location can also affect your rates, as can the type of car you drive and how much you use it.
What Types of Coverage Are Typically Included in Auto Insurance Policies?
Auto insurance policies typically include several types of coverage, each providing protection for different situations.
- Liability coverage allows drivers to comply with Georgia’s auto insurance requirements when carried at or above required minimums. It may help cover accident-related third-party injuries or property damage up to the policy’s limits.
- Collision coverage is another type that pays for repairs or replacement of your vehicle if you’re involved in an accident with another car or object.
- Comprehensive coverage is a third type of coverage that covers damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
- Guaranteed asset protection (GAP) insurance may help pay off your vehicle if it’s a total loss after a covered accident.
Your agent may recommend including other coverages such as medical payments (MedPay) coverage, uninsured/underinsured motorist coverage, towing coverage, rental car reimbursement and roadside assistance.
Is It Necessary to Have Uninsured Motorist Coverage?
While uninsured motorist coverage is not required by law in Georgia, it can be a valuable addition to your auto insurance policy. This coverage, along with underinsured motorist coverage, may help protect you financially if you’re involved in an accident with a driver who has no insurance or not enough insurance to cover the damages.
How to Get Auto Insurance
Paramount Insurance & Multiservice, LLC is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.