Georgia auto insurance can be quite expensive. But prices have stabilized over the last few years. Driving can cut costs by raising their limits. Non-standard coverage can be beneficial for drivers who can't afford full coverage.
Remember that to qualify for a discount, your driving record must be safe. A clean driving record can help. However, it's not the only factor in determining your rates. Your credit score is also important to some insurers. Poor credit ratings may result in higher premiums.
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. You can purchase this for as little as $582 a year. This is a small price for peace of mind.
Uninsured motorist coverage is another important aspect. 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.
You might also consider purchasing collision and comprehensive insurance. These policies will cover the cost to replace your vehicle if it is damaged in an accident. Also, they can protect you from theft or vandalism. In the event of a hurricane, your vehicle may be damaged. This type insurance will provide you with the financial support you need in the event of an unexpected accident.
Finally, a comprehensive insurance policy will probably cover more than the minimum required. Comparing car insurance quotes from many companies can help you save money. Oftentimes, you'll be able to stack your uninsured and underinsured limits to get a lower rate.
As a matter of fact, the cheapest auto insurance you'll find in Georgia is just under $2,110 per year. 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. 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. They have an excellent online quote tool, which you can use to find the right coverage for your situation. A network of independent agents is available to assist you in finding the insurance policy that suits your needs.
The most important aspect of comprehensive and collision insurance policies is their ability to pay for your damages if you are involved in an accident. Depending on your policy, your insurance company may pay for your injuries or property damage.