Georgia auto insurance is expensive. However, prices have stabilised in recent years. Drivers can save some money by increasing their limits. Non-standard insurance can be an option for drivers who are unable to 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. However, your driving record isn't the only factor that influences your rates. Some insurance companies also look at credit scores. A poor credit rating could result in a higher premium.
Georgia's minimum requirement for liability insurance is that all drivers must have it. This covers injuries and property damage as well as other bodily harm. This is available for as little $582 per year. This is a small price for peace of mind.
Uninsured driver coverage is an important aspect in 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.
You might also consider purchasing collision and comprehensive insurance. These can cover the cost of replacing your vehicle after an accident. They also provide protection against theft or vandalism. Your vehicle could be damaged by a hurricane, for example. 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. 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. Oftentimes, you'll be able to stack your uninsured and underinsured limits to get 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.
Finding the right Georgia insurance policy can be overwhelming. There are many companies that can assist you. Direct Auto, for example, offers both non-standard and standard insurance for a low cost. 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.
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 then pay for your injuries and property damage, depending on the terms of your policy.