Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Information
Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car.
If you are looking for the right auto insurance coverage for the right price, let Goggans Insurance help. Contact us today to learn more about our auto insurance options, or give us a call to get started.
What is auto insurance?
Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.
What do auto policies cover?
The minimum auto insurance liability limits are commonly stated as 25/50/25. This means:
$25,000 bodily injury liability limit per person.
$50,000 maximum for all bodily injuries to be paid for any one accident.
$25,000 maximum for property damage per accident.
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage.
Contact your agent about including these protections in your coverage.
Why do you need car insurance?
In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.
How is auto insurance priced?
Several different factors may determine auto insurance rates, including your insurance claims history. If you are frequently involved in accidents and file claims, your coverage rate will likely be higher than that of an individual who does not file many claims. Additionally, factors such as car model and location tend to influence auto insurance rates. For example, someone living in a rural area might be charged less for auto insurance than someone living in a city because the likelihood of being involved in a car accident is not as high.
Questions to ask your agent
We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.
Here are some things to consider as you select your coverage:
How much can you afford to pay 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? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
Contact us today
We have local offices for your auto insurance needs in Fort Payne, Rainsville, Scottsboro, Centre, Boaz Alabama and Jasper Tennessee.
Don’t sell yourself short. Contact us at 256-845-7777 or request an online quote to figure out the best auto insurance policy for yourself.