4 common myths about auto insurance you should know

Despite being a mandatory policy in most states, auto insurance can be complex to understand. With all the information available out there, policyholders may have difficulty distinguishing between facts and myths. To help clear things out, Harmony Insurance has listed some of the most common myths.

Your insurance will cover you and your car.

This can only be true if you get a collision or comprehensive coverage alongside the state minimum requirements in Braselton, GA. Auto insurance generally reimburses other drivers and road users if you cause an accident but not damages made to your car. If you get injured, you may want to buy personal injury protection, which is no-fault insurance.

The color of your vehicle affects your premiums.

It doesn’t matter whether your car is a shouting red, a yelling yellow, or a calm white—color doesn’t really matter when it comes to auto insurance. What affects your insurance price are other factors like the model, engine, body size, and vehicle age. Your age, driving record, and where you live also matter.

Expensive cars cost more to insure

A more expensive car doesn’t always cost more to insure, and that’s why it is essential to know your insurance cost for different models when shopping for a new vehicle. Cars with excellent safety features are considered less risky to insure, which makes the premiums lower.

If someone else drives your car and gets into an accident, their insurance will cover them.

The general rule of auto insurance is that the insurance follows the car, not the driver. If you let someone else drive your car, you are giving them your auto insurance as well. Therefore, don’t worry about insurance implications when another person gets into an accident with your vehicle.

Need more information about auto insurance myths in Braselton, GA? Visit Harmony Insurance, and our team of professionals will be happy to help you.

Do you need full coverage insurance on your vehicle?

If you are a driver in Georgia, you probably already know that the law in your state requires you to at least have a liability insurance policy for you to be able to drive legally. In many cases, though, you will want to have more coverage.

A liability policy is obtained to cover the other driver if you are involved in a crash that is deemed to be your fault. It will pay a certain amount for their injuries, their passengers’ injuries, and damages to their vehicles.

If you have a loan on your vehicle, more than likely, your creditor will require you to have full coverage insurance. To adequately insure your car, truck, or SUV, you will need to have a few different types of insurance coverage.

Collision insurance

Collision insurance covers the damages to you or your passengers, along with your vehicle, if the accident is your fault. The size of your deductible will depend on how much you want to pay out of pocket if an accident does occur. It covers the damage to you, your passengers, and your vehicle if the accident is your fault. Collision insurance will also include any damages to your vehicle if you hit an object, such as a tree or telephone pole.

Comprehensive insurance

Comprehensive insurance covers other damages to your vehicle that may happen when you’re not even driving it. This would include things like vandalism or damage from a hailstorm, tornado, hurricane, or fire. This part of your policy will also replace your vehicle if it is stolen. 

To create the best policy for you and your vehicle, you will want to enlist the help of an experienced and skilled insurance agent. Contact the agents you can trust at Harmony Insurance in Braselton, GA.