Georgia auto insurance is quite expensive. Prices have stabilized in recent years. You can reduce your insurance costs by increasing your limits. 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, rates are not determined solely by your driving record. Some insurers will also consider your credit score. A lower credit score could lead to a higher premium.
Georgia law requires all drivers to have at least minimum liability insurance. This covers injuries and property damage as well as other bodily harm. This can be purchased for as low as $582 per year. It's an affordable price to get peace of head.
Uninsured motorist coverage is another important aspect of auto insurance. 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. Your own insurance company may also be responsible for the financial damages you sustain.
While you're at it, consider getting a good comprehensive and collision insurance policy. These policies can cover the cost for replacing your vehicle in an accident. They can also protect you against theft and vandalism. For instance, your vehicle might get damaged during a hurricane. Having this type of insurance will give you a much needed financial cushion in the event of an accident.
Finally, a comprehensive insurance policy will probably cover more than the minimum required. You might be able to save money by comparing car insurance quotes from different companies. In many cases, you can stack your uninsured or underinsured limits to get an even lower rate.
As a matter of fact, the cheapest auto insurance you'll find in Georgia is just under $2,110 per year. 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 can be difficult. There are a few companies who can help. Direct Auto offers standard and non-standard insurance at a very affordable price. You can access their online quote tool to help you find the best coverage for you. Additionally, they can connect you to independent agents who can help you find insurance policies that are right for you.
Lastly, the most important feature of a comprehensive and collision insurance policy is that it can pay for your losses should you become involved in a crash. Your policy terms will dictate whether or not your insurance company pays for your injuries or property damages.