Georgia auto insurance is quite expensive. Prices have stabilized in recent years. You can reduce your insurance costs by increasing your limits. Some drivers opt to purchase non-standard insurance, which can be a good option for those who cannot 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. But it is not the only factor that affects your rates. In addition to your age and previous history of accidents, some insurers will look at your credit score as well. If you have a poor credit rating, you may be charged a higher premium.
Georgia requires all drivers to carry minimum liability insurance. This protects against damages to the other party's property and injuries to other people. This can be purchased for as low as $582 per year. It's an affordable price to get peace of head.
Uninsured motorist coverage, another important aspect to auto insurance, is also very important. You can sue an uninsured motorist if you are a passenger and you are hurt or killed in a car accident. Remember that your insurance company might be liable for the financial amount of your injuries.
Consider getting collision and comprehensive insurance while you are at it. These policies can cover the cost for replacing your vehicle in an accident. They also provide protection against theft or vandalism. For instance, your vehicle might get damaged during a hurricane. This insurance will provide financial protection in the event that you are involved in 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. Many times, it's possible to stack your uninsured/underinsured limit to get a lower quote.
As a matter of fact, the cheapest auto insurance you'll find in Georgia is just under $2,110 per year. 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 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. 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 terms will dictate whether or not your insurance company pays for your injuries or property damages.