{"id":6203,"date":"2024-12-13T18:04:44","date_gmt":"2024-12-13T18:04:44","guid":{"rendered":"https:\/\/veloxinsurance.com\/?page_id=6203"},"modified":"2024-12-13T18:05:58","modified_gmt":"2024-12-13T18:05:58","slug":"types-of-car-insurance","status":"publish","type":"page","link":"https:\/\/veloxinsurance.com\/auto\/types-of-car-insurance\/","title":{"rendered":"Types of Car Insurance"},"content":{"rendered":"<div class=\"c-section  \" >\r\n    <div class=\"o-wrapper o-wrapper--small\">\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What Are 5 Types of Car Insurance Options in Georgia?<\/h2>\r\n            <div class=\"o-component s-cms-content\">\r\n        <p>Car insurance isn\u2019t one-size-fits-all and knowing what\u2019s out there can help you find the right coverage for your needs. There are six common types of <a href=\"https:\/\/veloxinsurance.com\/auto\/\">car insurance<\/a>: liability insurance, collision insurance, comprehensive insurance, uninsured\/underinsured motorist insurance, personal injury protection insurance, and medical payments insurance. It\u2019s like picking the right tool for the job\u2014each one\u2019s made for a different purpose, and knowing how they work can help you stay covered no matter what the road throws your way. Here\u2019s a breakdown of each type of coverage for your car:<\/p>\n<ol>\n<li><a href=\"https:\/\/veloxinsurance.com\/auto\/cheap-liability-car-insurance-in-georgia\/\"><strong>Liability Insurance<\/strong><\/a><strong>: <\/strong>This is the <span class=\"white-space\">must-have<\/span> insurance that covers damage or injuries you cause to someone else in an accident. In Georgia, it\u2019s as essential as a front porch on a summer evening\u2014no way around it.<\/li>\n<li><a href=\"https:\/\/veloxinsurance.com\/auto\/cheap-collision-insurance-in-georgia\/\"><strong>Collision Insurance<\/strong><\/a><strong>: <\/strong>If you hit another car, a fence, or even land in a ditch, collision insurance takes care of your car repairs. It\u2019s perfect for keeping your ride in tip-top shape, especially if it\u2019s a newer model.<\/li>\n<li><a href=\"https:\/\/veloxinsurance.com\/cheap-car-insurance\/cheap-comprehensive-insurance\/\"><strong>Comprehensive Insurance<\/strong><\/a><strong>: <\/strong>This coverage is for when life gets unpredictable\u2014think fallen trees, hailstorms, or even a runaway cow crossing the road. It\u2019s your safety net for the unexpected.<\/li>\n<li><a href=\"https:\/\/veloxinsurance.com\/auto\/find-uninsured-underinsured-motorist-insurance-in-georgia\/\"><strong>Uninsured\/Underinsured Motorist Coverage<\/strong><\/a><strong>: <\/strong>Not everyone comes prepared, and if you\u2019re in an accident with someone who doesn\u2019t have enough insurance (or any at all), this coverage has your back. It\u2019s like keeping an extra flashlight in case the power goes out.<\/li>\n<li><a href=\"https:\/\/veloxinsurance.com\/auto\/cheap-car-insurance-medical-payments-medpay-coverage-in-georgia\/\"><strong>Medical Payments Coverage (MedPay)<\/strong><\/a><strong>: <\/strong>A simpler option, MedPay takes care of your medical bills after an accident, no matter who\u2019s at fault. It\u2019s the practical, no-frills support everyone needs.<\/li>\n<\/ol>\n    <\/div>\r\n    \n\n<\/div>\r\n<\/div>\r\n\n\n<div class=\"o-wrapper o-wrapper--small\">\r\n    <div class=\"o-component c-quote-callout\">\r\n        <picture class=\"c-quote-callout__pic\">\r\n                            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/09\/Group-625455-1.webp 1x, https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/09\/Group-625455@2x-1.webp\">\r\n                                        <img decoding=\"async\" loading=\"lazy\" class=\"c-quote-callout__img\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/09\/Group-625456-1.webp\" alt=\"Velox Insurance male agent.\" aria-hidden=\"true\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/09\/Group-625456@2x-1.webp 2x\" width=\"312\" height=\"120\">\r\n                    <\/picture>\r\n        <div class=\"c-quote-callout__content\">\r\n            <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote?  <\/h2>\r\n            <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"  action=\"https:\/\/veloxinsurance.com\/process-rater\/\">\r\n\r\n                <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\r\n                    <label class=\"c-quote-callout-form__label\" for=\"typeOfInsurance\">Type of Insurance<\/label>\r\n                    \r\n                    <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\r\n                                            \r\n                                                                            \r\n                            <option value=\"A\" >\r\n                                Auto Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"AV\" >\r\n                                ATV Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"BT\" >\r\n                                Boat Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"B\" >\r\n                                Business Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"BR\" >\r\n                                Builders Risk Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"BSO\" >\r\n                                Business Owner Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"CA\" >\r\n                                Commercial Auto Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"CO\" >\r\n                                Condo Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"GL\" >\r\n                                General Liability Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"H\" >\r\n                                Homeowners Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"LL\" >\r\n                                Landlord Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"MH\" >\r\n                                Mobile Home Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"M\" >\r\n                                Motorcycle Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"PL\" >\r\n                                Professional Liability Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"RCV\" >\r\n                                Recreational Vehicle Insurance                            <\/option>\r\n                                                                            \r\n                            <option value=\"R\" >\r\n                                Renters Insurance                            <\/option>\r\n                                            <\/select>\r\n\r\n                <\/div>\r\n                <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\r\n                    <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\r\n                    <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\" id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\" maxlength=\"5\" minlength=\"3\">\r\n                <\/div>\r\n                <div class=\"c-quote-callout-form__controls\">\r\n                    <button class=\"c-button c-button--orange c-quote-callout-form__submit\" type=\"submit\">Start My Quote<\/button>\r\n                <\/div>\r\n            <\/form>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\n\n<div class=\"c-section  \" >\r\n    <div class=\"o-wrapper o-wrapper--small\">\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What is Included in Full Coverage Car Insurance?<\/h2>\r\n            <div class=\"o-component s-cms-content\">\r\n        <p><a href=\"https:\/\/veloxinsurance.com\/blog\/what-is-full-coverage-auto-insurance\/\">Full coverage car insurance<\/a> is like a <span class=\"white-space\">three-legged<\/span> stool\u2014it\u2019s made up of liability insurance, collision insurance, and comprehensive insurance, and together, they\u2019ve got you covered. <a href=\"https:\/\/veloxinsurance.com\/blog\/why-you-need-liability-insurance-in-georgia\/\">Liability insurance<\/a> takes care of damages you cause to others, collision insurance helps fix up your car if you\u2019re in a wreck, and comprehensive insurance handles all those &#8220;what ifs,&#8221; like a hailstorm or a tree deciding to fall on your car.<\/p>\n<p>For example, let\u2019s say you\u2019re driving through Atlanta traffic and you <span class=\"white-space\">rear-end<\/span> someone at a light. Your liability would help pay for their repairs and your collision insurance would repair your car, even though the accident is your fault. But if a storm rolled in later and knocked over a tree onto your car or if it got vandalized outside a Braves game, comprehensive insurance would handle the damage or replace the vehicle.<\/p>\n<p>Now, if you\u2019ve got a car loan, the folks who financed it will usually require full coverage. Why? Well, they want to make sure their investment is safe no matter what happens\u2014be it a fender bender, a runaway shopping cart, or one of those Georgia storms blowing through. Putting these three coverages together means you\u2019re ready for just about anything the road (or Mother Nature) throws your way.<\/p>\n    <\/div>\r\n    \n\n<div class=\"o-component s-cms-content\">\r\n            <picture>\r\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-2-1.webp 1x, https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-2-1@2x.webp 2x\">\r\n            <img decoding=\"async\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-2-2.webp\" alt=\"Image of a car accident that occurred on the stomach. 3d render and illustration.\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-2-2@2x.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\r\n        <\/picture>\r\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What is the Minimum Car Insurance in Georgia?<\/h2>\r\n            <div class=\"o-component s-cms-content\">\r\n        <p>In Georgia, the law says you\u2019ve got to carry minimum liability insurance to stay legal on the road. Here\u2019s what that includes:<\/p>\n<ul>\n<li><strong>Bodily Injury Liability<\/strong>: $25,000 per person and $50,000 per accident.<\/li>\n<li><strong>Property Damage Liability<\/strong>: $25,000 per accident.<\/li>\n<\/ul>\n<p>This means if you cause an accident, your insurance will cover up to $25,000 for injuries to one person and up to $50,000 total if multiple people are hurt. For example, let\u2019s say you rear-end someone and two folks are injured\u2014the insurance would take care of their medical bills up to the $50,000 cap. If you also damage their car, your policy will cover repairs up to $25,000. However, if costs go over these limits, the rest is your responsibility.<\/p>\n<p>This is one reason many drivers choose to increase their limits. After all, if you smash into a brand new Mercedes, $25,000 may not cover all the repairs, leaving you to pay the rest out of pocket or possibly have your assets seized.<\/p>\n<p>While these are the bare minimums required by law, they may not cut it in a bad wreck. Increasing your coverage or adding options like uninsured motorist protection can save you a heap of trouble\u2014and money\u2014down the road.<\/p>\n    <\/div>\r\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What Extra Car Insurance Options Can You Add?<\/h2>\r\n            <div class=\"o-component s-cms-content\">\r\n        <p>When it comes to car insurance, there are plenty of extras you can tack on to make sure you\u2019re covered, no matter what the road throws your way. Here are a few add-ons worth considering:<\/p>\n<ul>\n<li><strong>Gap Insurance<\/strong>: If your car\u2019s totaled and the insurance payout doesn\u2019t cover what you owe on your loan, gap insurance steps in to fill that gap. It\u2019s like having a safety net for your wallet.<\/li>\n<li><strong>Rental Car Reimbursement<\/strong>: Ever been stuck without a ride after an accident? This add-on covers the cost of a rental car while yours is in the shop, so you\u2019re not left hitching a ride.<\/li>\n<li><strong>SR-22 Insurance<\/strong>: For <a href=\"https:\/\/veloxinsurance.com\/blog\/dui-in-atlanta\/\">folks with a DUI<\/a> or DWI, SR-22 proves to the state you\u2019ve got the required coverage. Think of it as the paperwork that gets you back on the road.<\/li>\n<li><strong>New Car Replacement<\/strong>: If your shiny new car is totaled, this add-on pays for a <span class=\"white-space\">brand-new<\/span> one of the same make and model\u2014no haggling over value.<\/li>\n<li><strong>Non-Owner Car Insurance<\/strong>: Don\u2019t own a car but still drive now and then? This one\u2019s for you, especially if you\u2019ve had a license suspension and need liability coverage to hit the road again.<\/li>\n<li><strong>Classic Car Insurance<\/strong>: Got a car that turns heads at the local car show? This coverage is for vintage beauties with more value than the average old clunker.<\/li>\n<\/ul>\n<p>These extras let you tailor your policy to fit your life. Whether it\u2019s covering a financed car, keeping you behind the wheel with a rental, or protecting that prized classic, these options make sure you\u2019re never caught off guard.<\/p>\n    <\/div>\r\n    \n\n<div class=\"o-component s-cms-content\">\r\n            <picture>\r\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-3-1.webp 1x, https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-3-1@2x.webp 2x\">\r\n            <img decoding=\"async\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-3-2.webp\" alt=\"ATLANTA, GEORGIA\/USA - OCTOBER 11, 2014: Traffic drives along the Atlanta Interstate 75 and 85 in the midtown area. Interstate 85 has a concurrency with Interstate 75 known as the \"Downtown Connector\"\" srcset=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2024\/12\/types-of-car-insurance-discount-Velox-insurance-3-2@2x.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\r\n        <\/picture>\r\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">How Can I Save Money on Car Insurance?<\/h2>\r\n            <div class=\"o-component s-cms-content\">\r\n        <p>There are plenty of <a href=\"https:\/\/veloxinsurance.com\/auto\/types-of-car-insurance-discounts-in-georgia\/\">car insurance discounts<\/a> you can take advantage of to save around 10% to 25% on your premiums. Here are some of the most common ones:<\/p>\n<ul>\n<li><strong>Multi-Vehicle Discounts<\/strong>: Insuring more than one car on the same policy can help you save significantly.<\/li>\n<li><strong>Maintain a Good Driving Record<\/strong>: Avoiding accidents and tickets over time can qualify you for lower rates and safe driver discounts.<\/li>\n<li><strong>Low Mileage Discounts<\/strong>: If you don\u2019t drive often, some insurers offer discounts for drivers with lower annual mileage.<\/li>\n<li><strong>Good Student Discounts<\/strong>: Students with high grades can often qualify for reduced rates, making it a great incentive to hit the books.<\/li>\n<li><strong>Raise Your Deductible<\/strong>: Opting for a higher deductible can significantly lower your monthly premiums but ensure you can afford the <span class=\"white-space\">out-of-pocket<\/span> cost if needed.<\/li>\n<\/ul>\n    <\/div>\r\n    \n\n\r\n<div class=\"c-section\" id=\"get-callout-block_030c1037986290fae4a2805c0e9af7e4\">\r\n        <div class=\"c-get-callout\">\r\n                            <h2 class=\"c-section__title c-section__title--blue\">Find Cheap Car Insurance Today<\/h2>\r\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\r\n                    <p>Car insurance can feel as tricky as navigating Georgia backroads, but with Velox, it doesn\u2019t have to be. We\u2019re here to make the process smooth and straightforward, so you can focus on what matters most.<\/p>\n<p>Feel free to give one of our experts a call at <a href=\"tel:855-468-3569\">855-468-3569<\/a> to talk through your options. If it\u2019s easier, grab a quick, <a href=\"https:\/\/veloxinsurance.com\/\">free quote online<\/a> to compare rates. Prefer to chat in person? Stop by one of our <a href=\"https:\/\/locations.veloxinsurance.com\/\">Georgia locations<\/a>\u2014we\u2019re always happy to help.<\/p>\n                    \r\n                <\/div>\r\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\r\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/08\/Group-625427.svg\" alt=\"Computer screen.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                        <div class=\"c-get-callout__text\">Quote online<\/div>\r\n                                    <\/button>\r\n                            <\/li>\r\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <a class=\"c-get-callout__link\" href=\"tel:1-855-468-3569\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/08\/Group-625577.svg\" alt=\"Hand holding a phone.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                    <div class=\"c-get-callout__text\">Over the phone<\/div>\r\n                                <\/a>\r\n                            <\/li>\r\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.veloxinsurance.com\/\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/wp-content\/uploads\/2023\/08\/Group-625579.svg\" alt=\"Two hands approaching.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                    <div class=\"c-get-callout__text\">Visit us<\/div>\r\n                                <\/a>\r\n                            <\/li>\r\n                                                                                                    <\/ul>\r\n                                    <\/div>\r\n<\/div>\r\n\n\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":465,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/pages\/6203"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/comments?post=6203"}],"version-history":[{"count":4,"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/pages\/6203\/revisions"}],"predecessor-version":[{"id":6221,"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/pages\/6203\/revisions\/6221"}],"up":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/pages\/465"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/wp-json\/wp\/v2\/media?parent=6203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}