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Reader’s Question:

I have an older model vehicle which I believe doesn’t have much of a value anymore. Will it be wise for me to still get collision coverage for my auto insurance here in Sandy Springs, Georgia?

Carlo

Sandy Springs, GA

I getting insurance coverage for your automobile in Sandy Springs, Georgia, you have to choose the suitable level of coverage for you and your car. If you have an older car model you believe that does not have much of a value, don’t really need to have collision auto insurance coverage. Though it will be great to have your vehicle paid for if it will be heavily damaged, it will cost you about $200 annually to have it insured.

I will most likely be logical to insure this kind of vehicle under your state’s minimum legal auto insurance requirements. The amount that you save can be set aside to repair any probable damage on the vehicle in case of an accident, or loss of the automobile in the form of ’self insurance.’ One disadvantage is that no matter what the worth of your car is, it can still inflict the same amount of damage to other automobile or other persons as an expensive car. Auto liability insurance would give you coverage for bodily injury or replacement of the other driver’s car. But the limitations of liability insurance are likely low and could not cover well the other driver’s actual losses.

Tags: auto insurance, collision coverage