Georgia auto insurance is expensive. However, prices have stabilised in recent years. Driving can cut costs by raising their limits. Drivers can save money by purchasing non-standard, or even full coverage.
Remember that to qualify for a discount, your driving record must be safe. A clean driving record can help. It's not the only thing that will affect 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 law requires all drivers to have at least minimum liability insurance. This covers you against injuries and damages to property of the other person. This is available for as little $582 per year. This is a small price for peace of mind.
Uninsured motorist coverage is another important aspect of auto insurance. If you are a passenger in a vehicle and are injured or killed by an uninsured driver, you'll be able to sue the other driver for the cost of medical treatment. Be aware that your own insurance company could also be responsible for the cost of your injuries.
While you're at it, consider getting a good comprehensive and collision insurance policy. 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. In the event of a hurricane, your vehicle may be damaged. Having this type of insurance will give you a much needed financial cushion in the event of an accident.
A comprehensive policy will likely cover more than what is required. Compare car insurance quotes across multiple companies to get the best rates. You may be able to combine your under- and uninsured limits to get lower rates.
Georgia has the lowest cost auto insurance at $2,110 per year. 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.
It can be daunting to find the right Georgia insurance. There are some companies that can help. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. The company offers an online quote service that can help you determine the best coverage for your needs. They have access to an extensive network of independent agents that can help you find the right insurance policy 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. Depending on your policy, your insurance company may pay for your injuries or property damage.