AUTO
Insurance
Whether you're behind the wheel of a sports car or a minivan, you want reliable protection for whatever the road throws at you. For those who want to avoid overpaying for auto insurance, G&G's in-house software program lets us compare your needs with over 50 insurance companies, ensuring you get the best coverage at the most competitive rate.
Factors That May Affect what you pay for Auto Insurance Rates
Age — Auto insurance companies factor in your age when calculating rates. Drivers under 25 and over 65 often receive less favorable rates due to higher loss frequency statistics in these age groups, which increase the risk of financial loss from accidents.
Credit — Credit history has long been used in insurance scoring. Generally, better credit scores lead to more favorable insurance rates.
Car — The type of vehicle, including its engine size and safety features, affects your insurance rate.
Household — Insurers assess risk at the household level. If multiple drivers in the household are under 25, it can impact the insurance rates for everyone in the home.
What Does Full Coverage Auto Insurance Include?
As you review your auto insurance policy, you might come across various coverages and wonder what they mean and why they’re included. Here’s a breakdown of some key coverages:
Collision Coverage
This component of your policy covers damage to your vehicle resulting from a collision with another car, a curb, a guardrail, or any other object, whether stationary or moving.
Comprehensive Coverage
This coverage protects your vehicle from damage caused by events other than collisions. It includes incidents such as theft, vandalism, falling objects, animal strikes, or damage from natural occurrences like hail.
Property Damage Liability
If you cause damage to someone else's property—such as their car, a fence, or a building—this coverage compensates the affected party for the damage.
Bodily Injury Liability
This coverage safeguards your finances if you injure someone else in an accident. It pays for their medical expenses and related costs. Given the high cost of medical care, it’s crucial to have adequate coverage limits, and we can help you determine the right amount.
Uninsured & Underinsured Motorist Coverage
This coverage protects you if you’re injured by a driver who either doesn’t have insurance or lacks sufficient coverage to pay for your injuries. Since you can't control how much insurance other drivers carry, this coverage is essential for your protection.
Carriers
