Your Trusted Partner for Car Insurance – The Garrison Agency
At The Garrison Agency, we understand that car insurance needs vary for each individual. Whether you’re evaluating your current policy or seeking new coverage, our team is dedicated to ensuring you have the right protection. We don’t just sell policies; we build relationships based on honesty and trust, ensuring you’re neither over-insured nor under-protected.
Diverse Car Insurance Options
Our range of car insurance coverage includes liability, collision, comprehensive, medical payments, and loss of use, among others.
- Liability Coverage: This is essential for covering third-party claims for property damage or bodily injury.
- Collision Coverage: Protects you in accidents involving another vehicle or object, covering car repairs.
- Comprehensive Coverage: Offers financial protection against non-collision-related incidents like theft, fire, or natural disasters.
Understanding Coverage Limits
It’s crucial to understand your coverage limits. While state minimums exist, they may not suffice in severe accidents. For instance, if you’re liable for an accident causing significant damage, you’re responsible for costs exceeding your policy limits. We guide you through these details, ensuring you’re adequately covered without overspending.
Misconceptions About Insurance Rates
Many believe higher coverage equates to significantly higher premiums. However, increasing your coverage can be more affordable than you think, and certainly less costly than out-of-pocket expenses for major incidents.
Medical Payments and Bodily Injury
- Medical Payments: This optional coverage assists with medical and funeral expenses following an accident, regardless of fault.
- Bodily Injury Liability: If you’re at fault in an accident, this coverage handles the medical costs of injured parties (excluding yourself).
Additional Coverages and Discounts
We offer various additional coverages like accident forgiveness, loss of use, and more. Alfa Insurance provides numerous discounts, including for young drivers with good grades, various professionals like teachers and first responders, and multi-policy savings.
Join The Garrison Agency Family
Let us help you navigate the complexities of car insurance and find the perfect Alfa coverage for you. Schedule an appointment with The Garrison Agency in Florence, AL, for a personalized consultation and experience the difference in our service.