Comprehensive Insurance in Macon, GA
You may face the risk of damage to your vehicle even when you aren’t behind the wheel. Falling objects, storms, theft, and fires are not typically covered by your auto liability coverage or collision insurance. Without this comprehensive insurance coverage, you must pay for damage caused by many types of mishaps on your own.
The agents at Freedom Insurance in Macon, Georgia, can help you understand comprehensive auto insurance and determine if it may be appropriate for your situation.
What Does Comprehensive Car Insurance Cover?
Comprehensive auto insurance helps cover damages to your vehicle resulting from events other than a wreck. Your policy may cover costs of damage related to:
- Falling objects
- Vehicle fires
- Theft
- Vandalism
- Hitting an animal on the road
- A civil disturbance resulting in damage to your vehicle
- Natural disasters
Is Comprehensive Car Insurance Required?
State law doesn’t require comprehensive insurance coverage, but nearly every state requires automobile owners to carry a minimum amount of liability insurance.
If you have a lease or auto loan, your lienholder may require you to carry comprehensive and collision coverage and guaranteed asset protection (GAP) insurance to help protect their financial stake in your vehicle. Your agent can help you determine whether comprehensive insurance is required and whether it makes sense for your situation.
How Much Does Comprehensive Auto Insurance Coverage Cost?
Adding comprehensive coverage to your liability policy means paying higher insurance premiums. Like your other auto insurance policies, the amount of money you spend on comprehensive coverage depends on a few factors:
- Age and gender
- Driving record
- Credit score
- Claims history
- Location
- Age and type of vehicle
Your agent can help you shop for a policy that meets your needs while providing the right amount of insurance coverage.
Get the Auto Insurance Coverage You Need, Today
The agents at Freedom Insurance can help you create an auto insurance policy that includes the individual coverages that you need most. Contact us today to learn more about your auto insurance options and get a quote.
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