Georgia auto coverage is very expensive. However, the prices have stabilized over recent years. By increasing their limits, drivers can save money. 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. Some insurance companies also look at credit scores. Poor credit ratings may result in higher premiums.
Georgia law requires all drivers to have at least 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.
Another important aspect of auto insurance is uninsured motorist coverage. You can sue an uninsured motorist if you are a passenger and you are hurt or killed in a car accident. Keep in mind that your own insurance company might also be liable for the monetary amount 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. For instance, your vehicle might get damaged during a hurricane. This insurance will provide financial protection in the event that you are involved in an accident.
Finally, comprehensive insurance policies usually provide more coverage than is necessary. You might be able to save money by comparing car insurance quotes from different companies. Many times, it's possible to stack your uninsured/underinsured limit to get a lower quote.
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.
Finding the right Georgia insurance policy can be overwhelming. Luckily, there are a few companies that can help. Direct Auto is one example. They offer standard and non-standard coverage at a low price. 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 policy terms will dictate whether or not your insurance company pays for your injuries or property damages.