Georgia auto insurance is quite expensive. Prices have stabilized in recent years. Drivers can save some money by increasing their limits. Non-standard insurance can be an option for drivers who are unable to afford full coverage.
Remember that to qualify for a discount, your driving record must be safe. A clean driving record can help. However, your driving record isn't the only factor that influences your rates. Your credit score is also important to some insurers. Poor credit ratings may result in higher premiums.
Georgia requires that drivers have minimum liability coverage. This insurance protects you from injuries or damages to other people's property. This insurance can be purchased starting at $582 per annum. It's a small price that you can pay for your peace of mind.
Uninsured driver coverage is an important aspect in auto insurance. Uninsured motorist coverage is available for passengers who are injured or killed while riding in a vehicle. Remember that your insurance company might be liable for the financial amount of your injuries.
Consider getting collision and comprehensive insurance while you are at it. These can help you pay the costs of replacing your car after an accident. They can also protect you against theft and vandalism. Your vehicle could be damaged by a hurricane, for example. 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. 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 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 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. Plus, they have access to a network of independent agents to help you find the insurance policy that's right for you.
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.