Optional Insurance in Georgia for Your Auto

There are critical aspects of insurance for your car that you may be overlooking when you purchase a policy. Too often, car owners will simply get quotes on the minimum insurance required and buy the cheapest policy they can find. When something happens to their car, a claim is filed, only to find out too late that the policy doesn’t cover the accident that happened. The following are a few of the areas that a minimum coverage policy will not cover. 

Insurance if your car is damaged by the elements
This includes wind damage, but it also includes such things as a tree branch falling on your car. There can be a great many ways that a car is damaged without anyone being personally responsible. There is no driver, and there is no one who is to blame for the accident. In this case you need insurance for the repairs. 

Insurance if your car has been vandalized
Many times a car can be rendered useless because of vandalism. The windshield can be broken or the headlights damaged, even the tires can be slashed. Your car stereo can also be covered in case it is stolen after the car has been vandalized. Having coverage for this may be a good idea. It will depend upon the value of your car and whether the added cost of a policy is worth it to you. 

Insurance if your car has been stolen
Insurance for theft is something that every car owner should have. Even if your car has a low book value, you should at least get a quote for theft. In many cases, insuring your car for the replacement cost of your car is a low cost addition to other policy. Even cars that are inexpensive can be stolen for the parts. The car may have a much greater value once it has been stripped down by thieves. 

Insurance if you need to rent a car
If your car is going to be in the shop for a few days, you will need a car to get to work and around town. Having this option in an insurance policy can be a big help at a time of great inconvenience. 

There are several good insurance companies in Georgia that can help you decide on the best options for your vehicle. Nationwide is one such example and their insurance agents can help you with your questions.