instantquoteOur loyal clients continue to come back to us for car insurance, each time their car situation changes. They refer their amily and their friends and they know they will be taken care of. We know that having a car insurance plan to cover you in the event of an accident can put you and your family’s mind at ease. With Martin Farmer’s Agency auto insurance, your daily life won’t be interrupted with the hassles a car accident can cause.

Auto Insurance Coverages

There are so many things to look at when you are choosing car insurance for yourself. Many of the terms in your policy look foreign and can be quite confusing. Martin Farmer’s Agency wants to educate our customers and make sure they feel they have the right amount of auto insurance coverage and that they feel confident in what they’re paying for.

The most common coverages in an automobile insurance policy are:

  • Comprehensive
    This coverage pays for any damage to your vehicle that didn’t happen in a car collision. (Examples: theft, fire, windshield cracks or chips, windstorms, hail, etc.)
  • Collision
    This car insurance coverage covers the cost of the damage that happens from car crashes.
  • Bodily Injury Protection
    This coverage protects you against the medical or funeral costs if you happen to be at fault for injuries or deaths.
  • Property Damage Reliability
    This coverage helps cover you if your car damages anything on someone else’s property
  • Personal Injury Protection
    This coverage pays all medical bills for yourself and other passengers in your car.
  • Uninsured Motorist Bodily Injury
    This coverage helps pays for medical bills if the other person in the accident (who is at fault) does not have enough or any insurance to cover medical bill charges.
  • Uninsured Motorist Property Damage
    This coverage helps pays for property damage incurred if other person in the accident (who is at fault) does not have enough or any insurance to cover the costs.
  • Towing & Labor
    This coverage helps pay for the cost of towing and labor on damages of your vehicle if needed.
  • Rental Car Reimbursement
    This coverage pays for the cost of a rental car if your car is in the shop or has been totaled.

Discounts for Car Insurance

There are many ways you can save on car insurance. Each insurance company has their own discounts and it is important to ask your agent if you are getting all of the discounts you qualify for.

The most common types of auto insurance discounts are safe driving discounts, multi-policy or multi-car discounts, infrequent driver discounts, and good student discounts.

You can also save a lot of money by reviewing your car insurance plan and making sure the information in it is correct. Many times a policy can have incorrect information about your vehicle and these mistakes can end up costing you. The year, make, and model of a car can affect your auto insurance premiums. Your address can also change the price you’ll pay on car insurance. Each zip code is different.

Auto Insurance Laws in Georgia

Each state has their own laws for car insurance. Georgia requires that every car must carry the minimum amount of coverage on their vehicle. If you’re pulled over and do not have the minimum coverage required, you can face a hefty fine. Martin Farmer’s Agency knows these laws and ensure sure that all of our customers have the right amount of coverage to keep them out of trouble.