Georgia auto insurance is quite expensive. Prices have stabilized in recent years. Increased limits can help drivers save money. Non-standard coverage can be beneficial for drivers who can't afford full coverage.
Remember that to qualify for a discount, your driving record must be safe. A clean driving record can help. However, your driving record isn't the only factor that influences your rates. Some insurers will also consider your credit score. Poor credit ratings may result in higher premiums.
Georgia requires that drivers have minimum liability coverage. This covers injuries and property damage as well as other bodily harm. This insurance can be purchased starting at $582 per annum. It's a small price that you can pay for your peace of mind.
Uninsured motorist coverage, another important aspect to auto insurance, is also very important. 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. Keep in mind that your own insurance company might also be liable for the monetary 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 also provide protection against theft or vandalism. For example, your car might be damaged in a hurricane. This type of insurance can provide you with a financial cushion in case of an accident.
A comprehensive insurance policy will cover more than just the minimum. Compare car insurance quotes across multiple companies to get the best rates. Many times, it's possible to stack your uninsured/underinsured limit to get a lower quote.
Georgia's auto insurance is very affordable at just $2,110 per annum. That's not a bad price, but if you are on a budget, you might have to do a bit of shopping around to find the best deal.
Finding the right Georgia insurance policy can be overwhelming. There are a few companies who can help. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. Direct Auto offers an online quote tool that you can use to determine the right coverage for you. 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 policy will determine whether your insurance company will pay for property damage or injuries.