Georgia auto insurance is expensive. However, prices have stabilised in recent years. You can reduce your insurance costs by increasing your limits. Drivers can save money by purchasing non-standard, or even full coverage.
You must prove your safety driving skills to get a discount. 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. If you have a poor credit rating, you may be charged a higher premium.
Georgia requires all drivers to carry minimum liability insurance. This covers you against injuries and damages to property of the other person. This is available for as little $582 per year. It's a small price that you can pay for your peace of mind.
Uninsured motorist coverage is another important aspect. If you are a passenger riding in a vehicle, and are injured by or killed by an uninsured operator, you can sue them for medical bills. You should also remember that your insurance company could be held responsible for the amount you are injured.
As you think about it, get collision and comprehensive insurance. These policies will cover the cost to replace your vehicle if it is damaged in an accident. Also, they can protect you from theft or vandalism. In the event of a hurricane, your vehicle may be damaged. Having this type of insurance will give you a much needed financial cushion in the event of an accident.
A comprehensive policy will likely cover more than what is required. Compare car insurance quotes across multiple companies to get the best rates. You might be able stack your uninsured/underinsured limits for a lower rate.
Georgia has the lowest cost auto insurance at $2,110 per year. It's not too expensive, but it might be worth shopping around if you're on a limited budget.
Getting the right insurance in Georgia can be a daunting task. There are a few companies who can help. Direct Auto is one example. They offer standard and non-standard coverage at a low price. The company offers an online quote service that can help you determine the best coverage for your needs. A network of independent agents is available to assist you in finding the insurance policy that suits your needs.
The most important aspect of comprehensive and collision insurance policies is their ability to pay for your damages if you are involved in an accident. Your insurance company will pay for your property damage and injuries, depending on what terms you have.