Georgia auto insurance is relatively expensive, though prices have stabilized in the past few years. Increased limits can help drivers save money. Non-standard coverage can be beneficial for drivers who can't afford full coverage.
One thing to keep in mind is that in order to receive a discount, you'll have to prove that you are a safe driver. A clean driving record can help. But it is not the only factor that affects your rates. Your credit score is also important to some insurers. You may be charged more if you have poor credit ratings.
Georgia requires all drivers to carry minimum liability insurance. This covers injuries and property damage as well as other bodily harm. You can purchase this for as little as $582 a year. It's a small price that you can pay for your peace of mind.
Uninsured motorist coverage is another important aspect. You can sue an uninsured motorist if you are a passenger and you are hurt or killed in a car accident. Remember that your insurance company might be liable for the financial amount of your injuries.
If you have the time, look into getting comprehensive and collision insurance. These can help you pay the costs of replacing your car after an accident. They can also protect you against theft and vandalism. Your vehicle could be damaged by a hurricane, for example. Having this type of insurance will give you a much needed financial cushion in the event of an accident.
A comprehensive insurance policy will cover more than just the minimum. To save money, compare car insurance quotes from multiple companies to find the best rate. You may be able to combine your under- and uninsured limits to get lower rates.
As a matter of fact, the cheapest auto insurance you'll find in Georgia is just under $2,110 per year. While this isn't a bad price for what you get, it does mean that you will need to do some research to find the best deal.
Finding the right Georgia insurance policy can be overwhelming. There are many companies that can assist you. Direct Auto is one example. They offer standard and non-standard coverage at a low price. Their online tool for quoting is excellent and you can use it to find the right coverage. A network of independent agents is available to assist you in finding the insurance policy that suits your needs.
Finally, a comprehensive or collision insurance policy must be able to cover your losses in the event of an accident. Your insurance company will then pay for your injuries and property damage, depending on the terms of your policy.