Georgia auto insurance is relatively expensive, though prices have stabilized in the past few years. You can reduce your insurance costs by increasing your limits. Non-standard coverage can be beneficial for drivers who can't 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. However, your driving record isn't the only factor that influences your rates. Some insurers will also consider your credit score. 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 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, another important aspect to auto insurance, is also very important. If you are a passenger riding in a vehicle, and are injured by or killed by an uninsured operator, you can sue them for medical bills. 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 policies can pay for the replacement of your vehicle after an accident. They also provide protection against theft or vandalism. Your vehicle could be damaged by a hurricane, for example. This type of insurance can provide you with a financial cushion in case of an accident.
Finally, comprehensive insurance policies usually provide more coverage than is necessary. Compare car insurance quotes across multiple companies to get the best rates. Oftentimes, you'll be able to stack your uninsured and underinsured limits to get a lower rate.
Georgia's minimum annual cost for auto insurance is $2,110. It's not too expensive, but it might be worth shopping around if you're on a limited budget.
Finding the right Georgia insurance policy can be overwhelming. There are many companies that can assist you. 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.
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 insurance company will then pay for your injuries and property damage, depending on the terms of your policy.