It’s common for many people to focus on price when shopping for car insurance in an effort to save as much money as possible. Unfortunately, this tends to leave drivers without all the coverage they need when an unexpected event occurs. In turn, when it comes time to file a claim, they find out they are responsible for paying thousands of dollars out of pocket. This is why the professionals at BestRate Auto Insurance are committed to helping their Statesboro and Vidalia, GA, clients find affordable insurance without having to compromise on quality.

Below, they explain how to fill the gaps in a policy and avoid being unpleasantly surprised by inadequate coverage:

• Liability Coverage: Most states require their drivers to carry a minimum amount of liability coverage. The problem is these limits are often too low to actually pay for all of the damage done in an accident. This means the insured would be liable for paying the remaining costs on their own. Opting to sign up for more liability can prevent this. 
• Collision Coverage: Collision coverage isn’t generally required, allowing people to make the decision to leave it off their car insurance policy. However, if they’re involved in an accident that was their fault, they will have to pay completely out of pocket if they want to get their vehicle fixed. Adding collision coverage will provide the funds needed for repairs.
• GAP Insurance: One of the scariest scenarios is having a car stolen or getting into a collision when it hasn’t been paid off yet. If the car is not recovered or is considered a total loss, the owner will still be accountable for making the payments but won’t have a vehicle to drive. GAP insurance is designed to offer protection in this specific circumstance. It will make up the difference from the actual cash value of the car and the balance still owed on it.
• Uninsured/Underinsured Motorist Coverage: If an uninsured or underinsured driver causes an accident, it usually leaves the other party trying to figure out how to pay for the damages done to their car. However, when uninsured/underinsured motorist coverage is added to a policy, this concern is alleviated, and the money will be available to fix the vehicle.

Gaps in your car insurance can leave you in a difficult financial situation and put everything you’ve worked hard for at risk. To find out if you’re missing coverage you should have, contact BestRate Auto Insurance at (912) 489-5942. You can also visit their website for additional information.