What is the maximum auto coverage you can purchase?

At Client First Insurance Solutions serving the greater Americus, GA community, we know you read a lot about auto insurance and most articles focus on meeting the Georgia auto insurance minimums. Instead, we’d like to explain the maximum amount of coverage you can carry to protect your vehicle and your legal liability.

Auto Insurance Liability Coverage

In Georgia, the highest liability limits you can purchase range from $300,000 and $500,000. Some purchasers add another type of liability coverage to insure themselves at a higher rate. Since Georgia awards for vehicle damage using the diminished liability concept, choosing a higher liability level for property damage can save you from out-of-pocket expenses.

Collision and Comprehensive Coverages

When you add collision and comprehensive, most underwriters will insure your vehicle to its maximum value, but you need to choose your deductible, the amount of out-of-pocket money you spend for repairs. This can range between $500 and $5,000. The maximum coverage for either of these types of insurance equals your vehicle’s value.

Rental Assistance and Roadside Assistance

If you choose to add coverage for a rental vehicle when your vehicle needs repair due to an accident, the maximum typically tops out at 30 days of rental. The rental rate used applies to a mid-range vehicle.

Some coverage, such as roadside assistance, comes as a standardized package. When you need a covered service, the insurance provides it as long as you’re current on your premiums.

Contact Us Today

Client First Insurance Solutions serving Americus, GA can create a custom auto policy for you that offers you the exact coverage you need. We’ll work with you to ensure that you obtain the coverage you need at a fair price.