Georgia auto insurance can be quite expensive. But prices have stabilized over the last few years. Drivers can save some money by increasing their limits. Drivers can save money by purchasing non-standard, or even 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, it's not the only factor in determining your rates. In addition to your age and previous history of accidents, some insurers will look at your credit score as well. A lower credit score could lead to 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 insurance can be purchased starting at $582 per annum. The peace of your mind is worth the small price.
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. Your own insurance company may also be responsible for the financial damages you sustain.
While you're at it, consider getting a good comprehensive and collision insurance policy. These can help you pay the costs of replacing your car after an accident. They also provide protection against theft or vandalism. You might lose your vehicle in a storm. 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. 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. This is a good price, but you may need to shop around if you have a tight budget.
Finding the right Georgia insurance can be difficult. There are a few companies who can help. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. Direct Auto offers an online quote tool that you can use to determine the right coverage for you. You can also access a network independent agents who will help you find the best insurance policy for your needs.
Finally, a comprehensive or collision insurance policy must be able to cover your losses in the event of an accident. Your policy terms will dictate whether or not your insurance company pays for your injuries or property damages.