Georgia auto insurance can be quite expensive. But prices have stabilized over the last few years. You can reduce your insurance costs by increasing your limits. Drivers may choose to buy non-standard insurance. This can be a great option for drivers 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. Insurance companies will consider your credit score, as well as your age and history of accidents. You may be charged more if you have poor credit ratings.
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 insurance can be purchased starting at $582 per annum. It's a small price to pay for the peace of mind.
Uninsured driver coverage is an important aspect in auto insurance. If you are the passenger in a motor vehicle and are hurt or killed by an insured driver, you have the right to sue that driver for the costs of your medical treatment. Keep in mind that your own insurance company might also be liable for the monetary amount of your injuries.
Consider getting collision and comprehensive insurance while you are at it. These can help you pay the costs of replacing your car after an accident. These can also protect against vandalism and theft. For instance, your vehicle might get damaged during a hurricane. This type of insurance can provide you with a financial cushion in case 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. You might be able stack your uninsured/underinsured limits for a lower rate.
Georgia's minimum annual cost for auto insurance is $2,110. 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.
Getting the right insurance in Georgia can be a daunting task. There are some companies that can help. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. They have an excellent online quote tool, which you can use to find the right coverage for your situation. You can also access a network independent agents who will help you find the best insurance policy for your needs.
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 will determine whether your insurance company will pay for property damage or injuries.