In auto insurance, the term “total loss” is used when the cost to repair a vehicle exceeds its current market value. When this happens, the …
At Calidad Insurance, we specialize in helping you find the best auto insurance coverage at the most competitive rate. With over 20 trusted insurance companies in our network, our expert agents guide you through selecting a policy that meets your needs and complies with the legal requirements in Georgia and South Carolina.
Why You Need Auto Insurance
Driving without insurance in states like Georgia or South Carolina can lead to serious legal and financial consequences. From hefty fines to having your vehicle impounded, the risks aren’t worth it. At Calidad Insurance, we help you stay protected and compliant with the law — offering peace of mind, security, and financial protection.
Understanding Your Auto Insurance Policy
A car insurance policy is made up of several types of coverages. Here’s what you need to know:
Liability Coverage
Covers medical costs and property damage to others when you’re at fault. This includes damage to another car or public property such as streetlights, fences, and buildings.
Comprehensive Coverage
Protects against theft, vandalism, fire, floods, or damage caused by animals.
Uninsured & Underinsured Motorist Protection
Covers your expenses if you’re hit by a driver with little or no insurance, including hit-and-run scenarios.
What Affects Your Car Insurance Premium?
Many factors determine your insurance cost. Some are within your control—others are based on external data. Here’s what impacts your premium:
• Vehicle Details: Year, make, model, VIN number, and safety features
• Your Driving Record: Tickets, violations, and DUIs significantly raise your premium
• Credit Score: In some cases, your credit history can be considered
• Vehicle History: Salvage or previously totaled cars can increase your rate
• Zip Code: Insurance companies assess accident risk by city and postal code. For example, ZIP codes like 30340 (Doraville) or 30060 (Marietta) may carry different risk levels
At Calidad Insurance, we take the time to explain what’s affecting your rate and how to lower it while maintaining proper coverage.
We Represent Leading Insurance Providers
We proudly partner with trusted companies, including:
• Progressive Auto Insurance
• AssuranceAmerica
• Infinity Insurance
• Gainsco Auto Insurance
• And many others…
This gives us the flexibility to find the best coverage and lowest price for every customer.
Why Choose Calidad Insurance for Your Auto Policy?
With over 21 years of experience, 12 offices across Georgia and South Carolina, and a passionate bilingual team, Calidad Insurance stands out for:
• Personalized service and expert advice
• Transparent quotes and no hidden fees
• Free coverage analysis and quotes
• Fast and friendly service in English and Spanish
• Local offices near you — including ZIP codes like 30096, 30297, 29303, 29611, and more
