Category: Auto Insurance

When considering auto insurance in Monroe, GA, it’s essential to know that different coverages will protect your vehicle. Comprehensive and collision insurance are frequently confused; understanding the differences is critical. At the Atkinson Casey Agency, we assist our clients in finding the right insurance policy for their needs.

What Is Collision Insurance?

As the name suggests, collision insurance covers the cost of repairs or replacement for your own vehicle if you have an accident with another car or object. This type of coverage is typically required if you are financing or leasing a vehicle. It’s a common feature in most auto insurance policies and can be particularly beneficial if you live in an area with a lot of traffic.

What Is Comprehensive Insurance?

Comprehensive insurance offers coverage for your vehicle that includes losses other than collision. This can cover instances such as theft, flooding, fires, or encounters with animals (like deer). Considering this coverage depends on your risk tolerance, but it can be appealing for those seeking broader protection for their vehicle. Comprehensive insurance helps cover the cost of repairs or replacement if your car is damaged or stolen due to a non-collision incident. Often, it is paired with collision insurance to provide a wider coverage for various potential risks.

Contact Atkinson Casey Agency For An Auto Insurance Estimate

If you’re looking for an auto policy in Monroe, GA, our team would be thrilled to help get you started. Don’t hesitate to contact our friendly team of experts for a free quote. We look forward to providing you with everything you need.

Auto insurance is required to drive a vehicle in Georgia. Liability coverage is the only requirement unless you have a car loan or are leasing, in which case you need collision and comprehensive coverage. But there are other add-ons that you may want to consider. At Atkinson Casey Agency in Monroe, GA, our team will work with you to ensure you have the right auto coverage. 

Gap coverage

When you own a new car, you probably have an auto loan. Depending on what you had for a down payment, you may have a considerable vehicle loan. The insurance company will give you the car’s value, which depreciates almost the second it leaves the dealership. If you owe more than they pay, this insurance covers the gap. 

Roadside assistance

Roadside assistance provides a safety net when you are out on the road. You can call for help if it is needed. Some of the services it supplies are tire changing, battery jumping, and towing if you break down. The vehicle can also be opened if you lock your key inside.  

Full glass

Comprehensive coverage provides glass coverage, but a deductible must be paid. When you have full glass coverage, there is no deductible to meet, making it affordable to get the repair you need. 

Rental car

Rental car coverage is not for a vacation or business rental car but for a rental car to be used when your vehicle has been damaged by an accident or something beyond your control. This can be a great help while your vehicle is being repaired. 

Contact the team at Atkinson Casey Agency in Monroe, GA, for all your auto insurance needs. We are independent insurance agents and provide more choices and competitive rates. 

Liability insurance coverage pays for the expenses that another driver incurs if you are involved in an accident. Review some of the requirements that you need to follow when insuring your vehicle for the first time. 

Liability Coverage

Liability insurance coverage is the minimum amount of coverage that you must have in order to legally drive your vehicle. Liability insurance protects you from being sued.

It ensures that another driver who was a victim of an accident that you were responsible for is compensated for their losses.

Getting Started

Atkinson Casey Agency, serving the greater Monroe, GA region, can help you obtain the coverage you need. New drivers must follow the same insurance guidelines as experienced drivers.

If you are unfamiliar with the steps that need to be taken to purchase insurance, you have nothing to worry about. Our agents will ask you some questions during your consultation. We will inquire about your driving experience and the vehicle that you plan on driving.

Your Responsibilities

After you have completed the preliminary consultation, the agent will prepare your insurance paperwork. Each agent who represents Atkinson Casey Agency will provide a client with an overview of what their insurance will cover.

We will also go over the steps that a client should take if they are involved in an accident. If a vehicular accident occurs while you are driving, it is your responsibility to contact an agent.

After you have contacted an agent, the incident will be documented. The documentation will allow the agent to prepare the claim paperwork that must be filed.

Consult With Us

Atkinson Casey Agency in Monroe, GA is here to assist if you have any questions about your policy. We will provide you with all the information you need.

If you’ve had your auto insurance policy for a while and you haven’t made any changes to it, reviewing it with your agent is the right choice. At Atkinson Casey Agency we help clients in the Monroe, GA area get the quality and value they need and deserve from their insurance coverage. We can answer questions and present options, so you can decide whether the policy you have now is right for your needs.

Reviewing Your Auto Insurance Policy 

Typically, it’s a good idea to review your auto policy at least once every year. That ensures that you’re getting the best coverage for your needs and that you have an insurer that’s protecting you adequately and with the value you expect. A lot of people don’t review their policies, though, and just let them renew without any changes. If you do that, you could miss out on valuable adjustments that could provide more protection for your vehicle and the people in it.

Additionally, you should work with your agent on a policy review if you have changes in your household at any time during the year. Adding or deleting a driver, moving, changing your marital status, getting a different vehicle, and other big changes should be handled when they happen, not at standard policy renewal times. Reaching out to an agent gets the change taken care of quickly and efficiently.

Consult With Us

If you’re in the Monroe, GA area and in need of a review of your auto insurance policy, reach out to us at Atkinson Casey Agency today. We’ll work with you to make changes to your current policy or find you a better one, so you can have good coverage and plenty of peace of mind. There’s no reason to keep the same insurance when there may be better options for your needs.

Gas mileage is an important factor in your vehicle’s performance, as it has a direct impact on your wallet. Improving your gas mileage can be done in several ways, and it can help to reduce how often you need to fill up at the pump here in the Monroe, GA area. Here are some tips from us at Atkinson Casey Agency that can help you get more miles out of each tank of fuel.

Tips to improve gas mileage

1. Keep Your Tires Properly Inflated:

Keeping your tires inflated to the right pressure ensures that they contact the road properly. This reduces friction while driving, which helps to improve your car’s fuel economy. It’s also important to check your tires regularly for signs of wear and tear as these can have a negative impact on gas mileage too. 

2. Avoid Excessive Idling:

When you idle your car for too long, it burns more fuel than necessary. If you find yourself waiting for someone or something while parked, turn off the engine instead and restart when ready to go again. 

3. Don’t Carry Unnecessary Weight:

An extra 100 pounds in the trunk can decrease your vehicle’s efficiency by 2%. Try to avoid carrying around items that you don’t need regularly, as this will help reduce strain on the engine and improve gas mileage over time. 

4. Drive Smartly:

Avoid aggressive accelerations and sudden stops – use smooth motions when driving instead as they are less taxing on your vehicle’s engine and burn less fuel overall. Additionally, try not to drive more than necessary – walk or take public transportation whenever possible instead of driving yourself around town all the time! 

Reach Out To Us

For more tips, call us at Atkinson Casey Agency today. We are proud to serve the Monroe, GA area.

Are you looking to increase your gas mileage and save money on fuel here in the Monroe, GA area? Here are some tips from us at the Atkinson Casey Agency that can help you do just that! 

Tips to improve your gas mileage

1. Make sure your tires are properly inflated. Underinflated tires create extra friction, which increases the amount of fuel used. Check your tire pressure regularly and always make sure it is at the manufacturer’s recommended level. 

2. Drive smoothly and avoid rapid acceleration and hard braking. This will not only reduce your fuel consumption but also help keep you safe on the roads! 

3. Keep up with regular maintenance, such as oil changes and tune-ups, to ensure your car is running in top condition. Keeping a well-maintained vehicle will reduce the amount of gas it uses over time. 

4. Cut down on air conditioning use or switch to recycled air whenever possible as this can reduce fuel economy by 10-20%.  

5. Park in the shade whenever possible to reduce evaporation and keep your car cooler so that it does not have to work as hard when you start it up again. 

6. Reduce driving time by carpooling or taking public transportation when available. This will help save money on gasoline and also help reduce traffic congestion

7. Avoid long idling times; turn off your engine when stopped for more than a minute or two. 

Don’t Be Without Auto Insurance

By following these simple tips, you can improve your gas mileage significantly while saving money on fuel costs in the long run! For more money-saving tips, or if you have any questions about your automobile policy, give us a call at Atkinson Casey Agency today. We are proud to serve the Monroe, GA area and would be glad to help you find a policy that suits your needs and your budget.

When you need to use a rental car, whether for vacation or for another reason, you may wonder if you need to pay the extra that rental car companies charge for insurance. At Atkinson Casey Agency in Monroe, GA, we are here to answer any questions you may have about your coverage. We are independent agents who work for our customers, and we will be there when you need us. 

Does auto insurance cover a rental car?

It can be very intimidating to have to decide sometimes on the spur of the moment if you need to use the rental car company’s optional insurance coverage. It won’t just be one type either, so be prepared. Another thing to know is that if you are outside the US, anywhere but Canada, assume that you don’t have coverage and buy it. 

If you have basic auto insurance, you will not be covered in a rental car. You do have liability coverage, which means you don’t need to take the excess liability that they offer as long as you are happy with the amount of liability coverage you already have. 

If you have full coverage on your own vehicle, you most likely have enough coverage to protect yourself in a rental car. If you have any doubts or are renting a luxury vehicle, check with your insurance agent to ensure you are protected. You will be offered insurance to cover your personal property in the vehicle, for theft. If you have renters, condo, or home insurance, you already have this protection minus a deductible. 

If you are worried about using your own insurance, you can always check with your credit card company. Many credit cards offer rental coverage as one of their perks. 

Give Us A Call Today

Contact Atkinson Casey Agency in Monroe, GA with your questions about auto insurance coverage. 

Collision coverage is one of the most important types of insurance coverage that your auto insurance policy should include. At Atkinson Casey Agency, we provide collision coverage to vehicle owners in Monroe, GA.

The following are three things to know about collision coverage on your auto insurance policy

Collision coverage covers the costs of repairs needed after car accidents

It’s important to carry collision coverage on your auto insurance policy because this type of coverage pays for repairs to your vehicle after an accident. 

If you took out a loan to purchase your vehicle, you are most likely required to carry collision coverage by your lender. 

Collision coverage typically covers the market value of your vehicle at the time of the accident

Motorists need to understand that they won’t typically be compensated for the original purchase price of their vehicle by collision coverage in the event of a total loss.

Collision coverage usually only compensates the policyholder for the current market value of their vehicle at the time of the accident. This means that the depreciation of their vehicle is factored into the amount policyholders receive for any claim. 

Collision coverage won’t cover damage caused by other events such as vandalism

There are certain causes of vehicle damage that aren’t covered by collision coverage. For example, collision coverage won’t cover damage caused by vandalism or flooding.

Consumers need to purchase comprehensive coverage to enjoy coverage for a wide variety of causes of vehicle damage that aren’t covered through collision coverage. 

Get Coverage For Your Vehicle Today

If you’d like to learn more about the collision coverage we offer at Atkinson Casey Agency, get in touch with us. We are an insurance provider offering auto insurance coverage in Monroe, GA. 

Your specific circumstances will determine the minimum liability coverage needed. For example, if you own a business, you need a different amount of coverage than if you are self-employed. You also need enough coverage to pay for any legal fees that might arise from a lawsuit. Liability policies typically have limits of $300,000 to $500,000 for each occurrence.

For inquiries in the greater Monroe, GA community, consult with Atkinson Casey Agency.

What to Know About Liability Insurance 

There are countless factors to consider when calculating the right level of liability coverage. It is best to work with a professional like a broker or insurance agent to help you determine the right amount of coverage. Some of the most important factors to consider when calculating the right level of insurance include your profession, your average earnings, the size of your business, and the location of your business. 

The needed amount of liability coverage depends on the value of your assets and the likelihood of a lawsuit. Most businesses have a basic level of liability coverage to protect themselves from lawsuits that may arise. If you own a small business and want to protect yourself from the financial consequences of a lawsuit, you should also purchase business interruption coverage. There is no set amount of liability insurance that everyone needs. The most common liability insurance amount is $100,000. 

Contact Us Today

In most cases, you will be required to purchase some form of liability coverage when you are operating a vehicle for a commercial purpose. Common types of liability insurance include auto, public, medical, and business insurance. If you are operating a vehicle that is used to transport people or property for profit, you will likely be required to purchase commercial liability insurance. For expert advice, give us a call at Atkinson Casey Agency in Monroe, GA.