Georgia auto insurance can be quite expensive. But prices have stabilized over the last few years. By increasing their limits, drivers can save money. Non-standard insurance can be an option for drivers who are unable to afford full coverage.
You must prove your safety driving skills to get a discount. 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. 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 insurance covers damage to the property of another party and injury to others. This can be purchased for as low as $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. Remember that your insurance company might be liable for the financial amount of your injuries.
While you're at it, consider getting a good comprehensive and collision insurance policy. These policies will cover the cost to replace your vehicle if it is damaged in an accident. They can also protect you against theft and vandalism. Your vehicle could be damaged by a hurricane, for example. This type insurance will provide you with the financial support you need in the event of an unexpected accident.
A comprehensive policy will likely cover more than what is required. Compare car insurance quotes across multiple companies to get the best rates. In many cases, you can stack your uninsured or underinsured limits to get an even lower rate.
Georgia's minimum annual cost for auto insurance is $2,110. While this isn't a bad price for what you get, it does mean that you will need to do some research to find the best deal.
Getting the right insurance in Georgia can be a daunting task. There are many companies that can assist you. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. The company offers an online quote service that can help you determine the best coverage for your needs. 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 policy terms will dictate whether or not your insurance company pays for your injuries or property damages.