Georgia auto insurance is relatively expensive, though prices have stabilized in the past few years. Driving can cut costs by raising their limits. Drivers may choose to buy non-standard insurance. This can be a great option for drivers who cannot afford full coverage.
Remember that to qualify for a discount, your driving record must be safe. A clean driving record can help. However, rates are not determined solely by your driving record. Some insurance companies also look at credit scores. If you have a poor credit rating, you may be charged a higher premium.
Georgia's minimum requirement for liability insurance is that all drivers must have it. This protects against damages to the other party's property and injuries to other people. This is available for as little $582 per year. It's an affordable price to get peace of head.
Uninsured motorist coverage is another important aspect. If you are a passenger in a vehicle and are injured or killed by an uninsured driver, you'll be able to sue the other driver for the cost of medical treatment. Be aware that your own insurance company could also be responsible for the cost of your injuries.
Consider getting collision and comprehensive insurance while you are at it. These can cover the cost of replacing your vehicle after an accident. Also, they can protect you from theft or 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.
Comprehensive insurance policies will usually cover more than the minimum. If you're looking to save money, you might want to compare car insurance quotes from several companies to see who can offer the best rate. You might be able stack your uninsured/underinsured limits for a lower rate.
As a matter of fact, the cheapest auto insurance you'll find in Georgia is just under $2,110 per year. It's not too expensive, but it might be worth shopping around if you're on a limited budget.
Finding the right Georgian insurance can seem daunting. There are a few companies who can help. Direct Auto, for example, offers both non-standard and standard insurance for a low cost. They have an excellent online quote tool, which you can use to find the right coverage for your situation. Additionally, they can connect you to independent agents who can help you find insurance policies that are right for you.
Last but not least, comprehensive and collision insurance policies can cover your losses in case you are involved into a car accident. Your insurance company will pay for your property damage and injuries, depending on what terms you have.