Before buying a new vehicle, take time to consider your options for insurance coverage. New cars are expensive investments worth protecting to the full. At AWARD Insurance Group, we can help you select a policy worthy of your investment. Here are some of the most important aspects to consider when insuring a new vehicle.
Liability Coverage – Most states require that you have minimum liability coverage to protect other drivers in the event you cause an accident. If injuries or property damage exceeds these limits, you could be sued for remaining costs. To protect your assets, i.e. home, car, savings, it’s to your advantage to purchase more than just the minimum liability coverage.
Collision Coverage – If you took out a loan for your vehicle, your insurer may require that you have collision and comprehensive coverage. Collision insurance will pay for repairing your vehicle if you collide into another car when driving to work in Dalton GA or skid on a wet road and hit a tree. If you get replacement cost coverage, your insurer will replace your new vehicle if it’s a total loss. Unless you have the finances to pay for the repair or replacement of your new car on your own, you’d do well to get this coverage.
Comprehensive Coverage – This insurance pays for damages caused by adverse weather or hitting an animal on the road. You’re also covered if your vehicle is stolen on a road trip or damaged by vandalism.
The more you drive your new car, the greater the risk of accidents. Without adequate insurance protection, an accident can cost you thousands of dollars worth of repairs out of pocket. For auto insurance coverage that will fully protect you and your new car investment, contact an agent from AWARD Insurance Group in Dalton, GA.
When you’re getting ready to buy car insurance, it’s helpful to have an agent that can navigate you through the ins and outs. At AWARD Insurance Group in Dalton, GA, our independent agents are available to guide you in the right direction, but they are a few myths about car insurance that you should know before you get started.
- The color raises your premiums. You’ve had your eye on that cherry red sports car for several years and now you can afford it, but you believe the insurance will go up because it’s flashy. This is a myth. It’s not the color, but the type of vehicle you are buying. Other things that may be taken into consideration are the vehicle’s safety rating and the sticker price.
- The older you are the more your insurance will increase. In fact, many adults that are over the age of 55 may be considered for a reduction in their rates. Age requirements vary, so discuss this option with your independent agent at AWARD Insurance Group.
- Your credit does not affect your rate. Your credit score may be taken into account when you start searching for car insurance. If your score is good, you could end up having a lower premium than someone who has a lower score.
- The minimum insurance will cover everything. Some people believe that the minimum amount of insurance that the state requires you to have will cover everything. Many accidents cost more than your minimum auto liability. Additional coverage may be required, so you won’t have to pay out-of-pocket expenses, such as medical costs.
- Other drivers are covered under your policy. If you loan your vehicle to a friend you should make sure that your policy covers the damage to the vehicle if there is an accident.
Come by our offices in Dalton, GA. The AWARD Insurance Group has help individuals that can properly supply you with accurate information regarding auto insurance coverage.
When a person goes to purchase auto insurance, there are many factors that have to be taken into consideration to develop an accurate quote. And while obtaining a policy that has a reasonable premium rate is of the utmost benefit, it is imperative to keep in mind that this rate can always change. Take for example a policyholder gets a speeding ticket. This type of traffic violation can cause insurance premiums to increase. Here’s a quick look at how traffic violations and accidents affect insurance premiums.
How do speeding tickets affect insurance rates?
If you get a speeding ticket, this means you were traveling over the legal speed limit. Speed limits are created by specialists who use calculations to determine the safest speed for drivers to travel. When going over these speeds, this means you are more likely to be involved in an accident, which of course puts you at a higher risk for insurance companies. Because of this, if you get a speeding ticket, your premium rate is likely to go up. Fortunately, many states allow you to take part in traffic school class to keep your rates from going up, but you can only take part in this class every so often, meaning if you get multiple speeding tickets in a small amount of time, your insurance rate is likely going to go up.
How do accidents affect auto insurance?
Not all accidents cause your insurance to go up, but many of them will, especially if you are the at-fault party. This is why it is so important never to admit fault and to let your insurance company handle the accident paperwork for you.
To learn more about auto insurance, please contact AWARD Insurance Group serving the Dalton, GA area.
You know that feeling in your chest that you get when someone cuts you off, doesn’t use a signal when they’re turning, or slows down in front of you just as you’re about to pass them? Well, whether you want to believe it or not, it’s called road rage. While you may not be angry enough to pull out a gun like some people or ram your vehicle into the rear-end of the other person, you are still feeling it. So, what can you do to prevent road rage from happening? Or if it does happen, how do you prevent it from overpowering your body?
Plan Ahead and Listen to Your Favorite Tunes.
Slow drivers can get the best of all of us. Whether you are running late to work or you’re just antsy one day, a driver who is driving five or 10 or more under the speed limit can really get under your skin. Obviously, you’ll want to try to pass them if you can. However, this isn’t always possible. When it isn’t, flip on your favorite song and sing along. This will help you keep your cool until a passing zone comes available and you can get out from behind them. In addition, you may want to think about trying to plan ahead better. Set your clock 15 minutes late if that’s what it takes so that you think it is 8:45 a.m. when it is really 8:30 a.m.
It can be really frustrating when someone is riding your rear. This is particularly true when you’re driving the speed limit or even going a little bit above. Whatever the case may be, if you have the opportunity, move over and allow them to pass. While it does mean that you succumb to them, it also means that you aren’t letting your emotions get the better of you.
Avoid Flipping People Off.
When someone cuts you off, you get angry. The first thing you think about doing is flipping them the bird. It’s almost second nature for many people. However, think about why they may be in a hurry. Their wife could be going into labor or their child may be sick. You just never know. After all, haven’t you ever been in a hurry to get somewhere before?
While you can take steps to avoid road rage overcoming you and your emotions, it doesn’t mean others will be proactive in doing the same. Therefore, you want to ensure you have proper auto insurance on your vehicle in the event that you are involved in an accident. Contact us at AWARD Insurance Group for a review of your current policy or to obtain a quote for a new policy.
On the road, breakdowns and accidents can happen any time of year. The likelihood of them increases in winter, though, when driving conditions worsen. As winter approaches, make sure your car’s ready for an emergency by putting together an emergency kit and reviewing your auto insurance coverages.
Put Together an Emergency Kit
In Dalton, GA, drivers don’t usually need to worry about lots of snow. Therefore, you might not need to include a shovel in your winter emergency kit. Your kit should include, however, the following:
- a flashlight
- food and water
- a blanket
The flares and flashlight will help you stay safe on the side of the road, while the food, water and blanket will keep you from starving or freezing while you wait for help.
Insure Your Car
Properly insuring your car is just as important as putting together an emergency kit. An accident can be financially devastating if there are injuries or much property damage caused by the accident. Auto insurance is designed to protect you from such financial devastation.
What types of accidents are covered and how well they are covered will depend on your auto insurance policy’s coverages. For help determining what coverages you ought to have, contact one of our agents. At AWARD Insurance Group, our agents would be glad to review your situation and help you decide what protections you should have. If your current auto insurance doesn’t afford those protections, they can also help you find a policy that does.
There are two ways you can get in touch with us. We’re easy to reach through our website — just send us a message. Alternatively, you can use an old-fashioned telephone and call our office. However you prefer to contact us, one of our independent agents will quickly help you.
When you’re traveling abroad from Dalton, GA, just knowing how to drive is not enough. You need to consider the type of license you need to drive. You’ll also need insurance because you don’t need to have a collision that’s not covered in foreign country, especially in one where the natives don’t speak your language.
Before going to a foreign country, you may want to learn to drive a stick. A majority of rentals are manuals, and if you don’t know how to drive one, you might have to pay more for an automatic.
You might be driving on the opposite side of the road in the opposite side of the car, so be prepared. It’s worth the extra money to rent a GPS or bring your own with international maps on it. Don’t rely on the GPS on your smartphone. You’ll have to deal with the international roaming fees associated with using it in another country.
Driver’s License Issues
Not every country will acknowledge your US-issued driver’s license. In some countries, there is an additional license needed. Go to AAA or the National Auto Club to obtain an International Driving Permit, also known as an IDP. It will cost a small fee. Look into the driving age in the country you’re going to and the minimum age for renting a car.
Look into the insurance you need to travel aboard. Every country–and even different states in the U.S.–have different laws regarding insurance. If you’re renting a car abroad, you’ll have to do so using your credit card company, so contact the company prior, so you know their regulations. If you’re going to other countries or even another continent. Make sure coverage covers going across different borders.
Contact AWARD Insurance Group at 706-226-1436 to learn more about specific insurance laws when traveling aboard. And don’t forget to buckle up!
Living in Dalton, Georgia can be a thrill. Regardless of whether you drive around town or from one side of the state to the other, you want to make sure you have sufficient coverage for hit and runs and everything else.
The coverage for a hit-and-run is going to go above and beyond what the state requires as a minimum. You will want to explore various levels of coverage so that you can minimize what you would otherwise have to pay out-of-pocket. While deductibles may play a role, it’s better to spend $500 or $1000 on a deductible than spending tens of thousands of dollars on medical bills and auto repairs.
Several different forms of coverage should be included within your policy. These include:
- Uninsured Motorist
- Medical payments
Each of these are going to be a little different. Coalition is going to take care of auto repairs while uninsured motorist can provide bodily injury and property damage coverage, regardless of the whole situation. PIP can cover medical bills and wages lost for you and your passengers and medical payments can go above and beyond that coverage – including child care, if required.
It does not cost a lot of money to double or even triple coverage, which can be advantageous. You will want to look at adding as much coverage as you can afford so that you don’t have to worry about paying out-of-pocket in the event that you are involved in any kind of hit and run.
At AWARD Insurance Group, we are committed to helping you find comprehensive auto insurance that is affordable in Dalton, Georgia. Call today to speak to one of our independent insurance agents, who can answer questions that you have about coverage and obtain quotes to help you save money.