Lawrenceville, GA, is a historic place named after a naval war hero. Once a farming town, Lawrenceville is still known for agriculture.
When you own a car in this 29,873 resident city, you'll want protection. An independent insurance agent has access to local markets, saving you time and premium. You can find an expert near you in minutes.
Did You Know Theft Rates Affect Your Auto Premium in Lawrenceville, GA?
Carriers use a variety of factors when determining your rates. Criminal activity is one of them. If Lawrenceville has a higher percentage of crime, you could pay. To offset additional costs, speak with an independent agent. Take a look at the local auto theft rates below:
- National average: 228.9
- Georgia average: 235.4
- Lawrenceville average: 147.5
Whether you drive an ATV or a fancy sports car, theft will impact your insurance pricing. An adviser can go over cost-saving techniques to help you get big discounts on car insurance. Connect with a Lawrenceville independent agent to get started.
How You Can Save Big Money on Your Lawrenceville, GA, Car Insurance
Your car insurance is rated off of specific criteria that will impact your premiums. Some you can control, while others you cannot. An independent agent can review which items will impact you the most. Check out a few things that will play a part in your costs:
- Local weather claims
- Local crime rates
- Your credit score
- Your claims history
- Your experience level as a driver
- Your motor vehicle record (MVR)
- Household drivers on the policy
- Year, make, model, and value of the vehicle
- Discounts that you may qualify for
- Coverage you select
Another way to save is by asking your agent how to bundle. When you bundle your auto and home insurance with the same carrier, you can save 30% or more. Connect with a local independent agent to go over different ways you can cut costs.
Why Your State Minimum Limits Are Not Enough in Lawrenceville, GA
Similar to workers' compensation insurance, auto coverage is required in Lawrenceville, GA. The state sets a minimum limit of insurance that must be obtained, and it's up to you to raise it if you need more coverage. Take a peek at the car insurance requirements in Georgia:
- A minimum liability limit of $25,000 per person is required
- A minimum liability limit of $50,000 per accident is required
- A minimum liability limit of $25,000 in property damage is required
While minimum limits are mandatory, you could be risking your financial stability without proper insurance. An average claim could cost a lot more than what the minimum offers in protection. Another form of liability insurance is uninsured/underinsured motorists or UM/UIM.
UM/UIM will pay for your expenses arising out of a claim with an uninsured at-fault driver. Georgia does not require you to have UM/UIM, so you'll need to make sure your agent adds it. To have sufficient car coverage, contact an independent agent for quotes.
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Why You May Not Have the Coverage You Think in Lawrenceville, GA
Car insurance comes with one automatic coverage, liability. If you want insurance for your vehicles and roadside, you'll need to add it to the policy. An independent agent can go over which optional coverages you should obtain. Let's take a look at what your choices are:
- Comprehensive coverage: This will pay for property damage to your vehicle if hit by an unavoidable object.
- Collision coverage: This pays for property damage to your car when an at-fault crash occurs.
- Gap coverage: This pays for the difference in your auto loan and the current value of your vehicle.
- Rental car coverage: This pays for a rental car in the event yours needs to be repaired or replaced.
- Towing coverage: This will pay for a tow of a covered auto.
Most insureds aren't aware that they don't have coverage for some of these things until it's too late. To be proactive, have a professional look over your current policy. Connect with a Lawrenceville independent agent to get the right coverage in place.
If You're an Uber Driver in Lawrenceville, GA, You May Not Be Protected
A personal auto policy won't have coverage for rideshare or livery-for-hire services. If you drive for Uber, you could be without protection and not even know it. Since you are operating a business, you'll need business insurance.
A commercial vehicle policy will get you the protection you need. An agent can help you find the right business auto coverage for your service. Contact a Lawrenceville independent agent on your commercial exposure today.
Why You Need an Independent Insurance Agent in Lawrenceville, GA
When you work with an independent insurance agent, you get the best of both worlds. They do the shopping for you for free, saving you time and premium.
An independent agent has access to multiple carriers, so you know you're getting the best coverage and price in town. Go to TrustedChoice.com to connect with a local expert and start saving.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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