Getting Car Insurance? Take a Quick Look at These Common Myths First

When it comes to car accidents, it’s not a question of if, but of when. According to estimates from CarInsurance.com, motorists can expect to crash their car once every 18 years or so. If you haven’t been in a mishap yet, it’s certainly lurking around the corner.

That’s why getting adequate car insurance is more important than ever. After all, if you’re going to experience multiple accidents in your life, you might as well be financially protected each time, right?

But when it’s time to renew your policy, are you sure that you’re getting the best deal? Not if you believe some of the following myths involved with auto insurance.

Credit Rating Has No Effect on My Premiums

Unfortunately, certain states–including Georgia–are allowed to use your credit score to determine auto insurance premiums. Remember, your credit score is an indication of your capacity to make payments on services, including auto insurance.

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Why Getting Comprehensive Car Insurance for Yourself is a Smart Move

When people hear the words “car insurance,” the first thing that probably comes to mind are car accidents and the expensive car repair bills that result from them. However, most people don’t  know that are actually different types of car insurance coverage, and that drivers are required to possess only certain types of them

In the state of Georgia, for instance, drivers only need bodily injury and the property liability coverage. This means that if you get into an accident and someone gets hurt, your insurer will cover only up to $50,000 in medical bills and a maximum of $25,000 on vehicle repair.

As you can see, these barebones insurance requirements are not only inadequate in many cases, they also do not provide protection in a wide variety of scenarios. Because of this, brokers like Focus Insurance Group often recommend getting comprehensive car insurance in Decatur, GA.

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