Automobile Insurance
 
When choosing auto insurance. you want thourough coverage for the best price.

Thereís a lot to think about when you're choosing auto insurance. In some states, to license your car you must carry liability coverage for damages incurred by others if you cause an accident, or no-fault coverage to pay for medical and related expenses for you and your passengers caused by injuries from a car accident, regardless of fault; or carry both. Without car insurance, you risk paying the full cost of:
• Medical costs due to injury to yourself or others.
• Repairing or replacing your car if it's damaged or stolen.
• Damage or injury from an auto accident with an uninsured driver.
• Damage to your vehicle when itís parked at your home or a public place.

An auto insurance policy provides protection to you and others, including:
• Collision Coverage. Covers auto damage from a collision with another car.
• Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
• Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
• Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
• Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
• Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.

What amount of coverage do I need and how much will coverage cost?

• Coverages are priced individually, so how much you'll pay depends on how many coverages you buy. You can also consider an umbrella insurance policy that extends your coverage.
• What kind of car do you drive? Coverage on your vehicle depends on its value. The less expensive the car, the lower the insurance premium you generally pay.
• How much do you drive? Drivers who use their car for business and long-distance commuting normally pay more than those who drive less.
• Whatís your age, gender, and marital status? Statistics show accident rates are impacted by a driver's age, gender, and marital status. If there are multiple drivers in your household, that can also affect your price. Parents can lower risk by keeping teens safer on the road.
• Where do you live? Your location, and whether youíre a homeowner or renter, will affect your car insurance payment.
• What is your driving record? Drivers with a history of accidents or chargeable motor vehicle violations (e.g. speeding ticket) generally pay more than those who are accident-free for several years.
• What is your credit history? Many insurance companies consider credit history when determining an individual's rate.
• How much each will cover? Deductibles lower the premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would need to pay the first $500 of the covered loss. Higher deductibles generally lower your premium, but increase the amount you must pay if a loss occurs.

How can I save money on my automobile insurance?
In addition to competitive rates, Daly Insurance can also help you to receive a variety of discounts that you and your family may be eligable to receive. Feel free to call us at 912-352-1400 if you have any questions regarding the discounts listed below:
• Multi-car discount
• Hybrid Auto Discount
• Good driver discount
• Driver training credit
• Good student discount
• Savings for vehicles with passive restraints, airbags, anti-lock brakes and certain anti-theft devices

For even greater savings, convenience and simplicity, you can bundle your auto policy with another policy, like homeowners insurance or an umbrella insurance policy.
As an independant insurance agency it's our job to represent you, the customer. Daly Insurance will consistently work with you to provide the invidual coverage you require to protecting your auto(s) and your assets. We will match you with the best product at the best prices.

Don't leave it up to chance, being insured with the best certainly has its advantages.

For more information on automobile insurance or to receive a free quote, click here.
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