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Southern Allied Insurance – Florida, Georgia & Alabama’s Low Cost Car Insurance
Low Cost Auto Insurance in Florida, Georgia & Alabama
You’re Insured! Safe drivers cost everybody less… and at Southern Allied Insurance they pay a lot less. Safe Drivers can save 45% or more on their car insurance.
Some information below about low cost car insurance in Florida, Georgia & Alabama…
Get your Insurance Quote by clicking the Dairyland Logo Below – this is Southern Allied Insurance’s trusted partner providing low cost insurance. The link will take you to our portal on their website for an online quote. You can always CONTACT US and a friendly associate will be glad to answer all your questions.
What is low cost auto insurance?
All Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Three types of low cost auto insurance coverage
- Property – pays for damage to or theft of your car.
- Liability – pays for your legal responsibility to others for bodily injury or property damage.
- Medical – pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.A low cost auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most low cost auto policies are for six months or a year. Your low cost auto insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. Contact us for details on the state you live in, we will be glad to help on details for your car insurance.
Southern Allied Insurance is your Independent Agent and advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
• if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company’s level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Why do you need auto insurance?
It’s really all about protecting yourself financially.
- If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Florida, Georgia & Alabama Low Cost Automobile Insurance FAQs
PROPERTY DAMAGE LIABILITY (PDL)
This coverage pays for certain damage (up to the limit, or maximum amount of benefits stated in the policy) that you or anyone covered under your policy cause to another person’s property through the use of an automobile, if you are legally liable.
PERSONAL INJURY PROTECTION OR PIP (also called no-fault coverage)
This coverage protects you while in your own or someone else’s vehicle. It also protects you as a pedestrian or bicyclist if you suffer an injury in an accident involving a motor vehicle. If you get into an automobile accident, PIP covers you up to the limits of your PIP coverage, regardless of fault.
BODILY INJURY LIABILITY
This coverage pays for death or serious and permanent injury to others when you are legally liable for an accident involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation if you get sued.
UNINSURED/UNDERINSURED MOTORIST (UM)
This coverage pays for bodily injuries to you, your family members and any other person occupying your covered automobile, should they be caused by the negligence of an uninsured or underinsured motorist. UM pays for medical expenses and lost wages (after your PIP coverage is exhausted)
This coverage pays for medical expenses for accidental injury up to the limit of your policy. It covers your medical expenses, plus those of your family members or passengers, regardless of fault (unlike bodily injury liability insurance). It applies whether you are in your automobile or someone else’s, or if you are hit by an automobile while walking or bicycling. Since PIP covers only 80 percent of medical expenses, medical payments insurance could cover the remaining 20 percent, and possibly the PIP deductible, depending on the policy provisions. Medical payments will also cover the amount in excess of the PIP limit, up to the limit specified in the policy.
This coverage pays for repair or replacement of your vehicle if it collides with another vehicle, flips over or crashes into an object,
This coverage pays for losses from incidents other than a collision, such as fire, theft, windstorm, vandalism or flood. It also covers damages caused by falling objects or hitting an animal.
You may add towing and road service to your auto insurance. But your insurance company may cancel your policy for too many towing claims, even if you have no accidents.
You may receive reimbursement for auto rental up to a specified limit, which is contained in your policy. It applies if you get into an accident with your own automobile and can no longer drive it.
IF YOUR POLICY CANCELS OR LAPSE
The Department of Highway Safety and Motor Vehicles will suspend your driver license, vehicle tag and registration if your insurance company cancels your PIP and PDL coverage and you fail to obtain new coverage.