Looking for Auto Insurance in Kennesaw? We’ve Got You Covered.
If you’re in Kennesaw or anywhere in Georgia and need car insurance, it’s important to understand that auto insurance protects more than just your vehicle. With so many cars on the road and countless distractions, the risk of being involved in an accident is always present. Every time you get behind the wheel, you’re at risk, making it essential to have the right insurance coverage.
Why Car Insurance is More Than Just Vehicle Protection
Car insurance isn’t just about covering damage to your car—it’s about protecting yourself and others. If you’re involved in an accident and found at fault, the financial repercussions can be devastating if you’re not properly insured. Adequate car insurance limits are crucial to safeguarding your assets and ensuring that you’re not left vulnerable to costly claims.
Many people mistakenly believe that better coverage means higher premiums, but that’s not always the case. As an independent agency, Dickerson Agency can compare your current coverage with a variety of top insurance providers to find you the best deal. The best part? Our service costs you nothing extra. We’re compensated directly by the insurance carriers, and our sole focus is on finding you the right coverage without any hidden gaps.
Key Auto Insurance Coverages You Need to Know
Navigating through your car insurance policy can be confusing, with various coverages that may not be immediately clear. Here are some of the most important coverages to understand:
- Collision Coverage: This part of your policy covers damage to your vehicle caused by collisions with another car or object, such as a guard rail or a curb.
- Comprehensive Coverage: This covers your vehicle against non-collision-related damages, such as theft, weather damage, or hitting an animal.
- Property Damage Liability: This covers damage you cause to someone else’s property, whether it’s their car, a fence, or a building.
- Bodily Injury Liability: This protects you financially if you cause an accident that injures another person. It covers their medical expenses and related costs, making it critical to have sufficient limits given the high cost of healthcare.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re injured by a driver who either doesn’t have insurance or doesn’t have enough coverage to pay for your damages. Since you can’t control the insurance choices of other drivers, this coverage is vital.
Factors That Affect Your Car Insurance Rates
Several factors influence your car insurance premiums, including:
- Age: Younger drivers (under 25) and older drivers (over 65) generally face higher rates due to higher risk statistics.
- Credit Score: Your credit score can affect your insurance rates, with better credit typically resulting in more favorable premiums.
- Vehicle Type: The make, model, and safety features of your car play a significant role in determining your rate.
- Driving History: A clean driving record will help keep your premiums lower, while a history of accidents or violations can increase your rates.
- Household: Insurers consider the entire household when determining rates. If you have multiple drivers under 25 in your home, it may impact the cost for everyone.
How to Get Started with Your Car Insurance Quotes
If you’re in Kennesaw and looking to compare car insurance options, Dickerson Agency makes it easy. We handle all the legwork, comparing quotes from multiple insurers to find you the best coverage at the best price.
Let us do the heavy lifting so you can drive with confidence. Contact us today to get started on your car insurance comparison.
To get started, call our office directly, or click over to our Quotes page to send us some basic information about your needs so we can get started on your policy review and comparison!