Georgia auto insurance is expensive. However, prices have stabilised in recent years. Driving can cut costs by raising their limits. Non-standard insurance can be an option for drivers who are unable to afford full coverage.
Keep in mind that in order for you to get a discount, it is necessary to prove 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. Poor credit ratings may result in higher premiums.
The state of Georgia requires that all drivers carry at least the minimum level of liability insurance. This insurance protects you from injuries or damages to other people's property. This can be purchased for as low as $582 per year. It's a small price that you can pay for your peace of mind.
Uninsured motorist coverage is another important aspect. 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. Be aware that your own insurance company could also be responsible for the cost of your injuries.
You might also consider purchasing collision and comprehensive insurance. These policies will cover the cost to replace your vehicle if it is damaged in an accident. They also provide protection against theft or vandalism. You might lose your vehicle in a storm. This insurance provides financial security in the case of an unfortunate accident.
Comprehensive insurance policies will usually cover more than the minimum. 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 has the cheapest auto insurance, at under $2,110/year. Although this is not a bad deal, if your budget is tight, it may be worthwhile to shop around for the best deal.
Finding the right Georgian insurance can seem daunting. There are some companies that can help. Direct Auto, for instance, provides standard and nonstandard insurance at an affordable cost. The company offers an online quote service that can help you determine the best coverage for your needs. Plus, they have access to a network of independent agents to help you find the insurance policy that's 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 insurance company will then pay for your injuries and property damage, depending on the terms of your policy.