Category: Auto Insurance

Anyone that lives in the Atlanta, GA area would benefit greatly from having a car. If you are a vehicle owner here, you will need to make a lot of important decisions. One decision that you will have to make will come when you want to choose an insurance policy. There are a variety of situations when getting auto insurance will be a good idea for you. 

When Driving on a Public Road

When you need to get auto insurance, you will come when you want to drive a car on a public road. Anyone who would like to drive their car in Georgia will have to comply with auto insurance’s state rules. If you choose an auto insurance policy here, you need to make sure that it includes liability insurance. When you have this coverage, it can ensure that you can pay for any damages that you cause in an accident.

When Taking Out a Loan

Another situation when you need to make sure that you have proper insurance is when you are going to take out a loan. If you take out a car loan, some insurance rules need to be met. A quality auto insurance policy will need you to have both collision and comprehensive insurance coverage. This could ensure that your vehicle is covered if it is stolen or damaged.

If you are going to get an auto insurance policy here, you should call the Rob Hill Insurance Group. When you do call the Rob Hill Insurance Group in the Atlanta, GA area, it can ensure you receive the guidance and support you need. This will ensure that you are in compliance and have proper protection. 

In some states, you are required not only to carry basic liability insurance but uninsured motorist insurance, as well. This is not so in Georgia, however. And thankfully, we rank on the lower side of average as far as uninsured motorist rates go, at just 12%.

However, that number is about to spike.

Many insurance companies are offering deferred payment options to help people get through the financial crunch. This is an excellent idea in theory, but when those deferred payments start to stack up, many drivers will find that they can’t afford to pay several months of premiums all at once, and drop their insurance coverage but keep driving.

This means that while the risk of being in an accident with an uninsured motorist is relatively slim right now, it won’t be for much longer.

Insurance is all about covering yourself against likely hazards. While Georgia has enjoyed a relatively low uninsured motorist rate so far, that won’t be the case for too much longer. This is happening all across the country, of course. Where the national average has generally been around 15% uninsured, the number could jump by half or even double. There’s no telling precisely how high that number will spike, but we’re not going to stay at 12% for very much longer.

If you’re ready to get the protection that you need in Atlanta, GA, get in touch with us at Rob Hill Insurance Group. Whether you want to call, email, or stop by Rob Hill insurance Group, we can set you up with a policy that protects you out on the highways and streets of Atlanta, GA.