Georgia auto insurance is expensive. However, prices have stabilised 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. It's not the only thing that will affect your rates. Your credit score is also important to some insurers. 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 covers damage to the property of another party and injury to others. 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. 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. 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 can cover the cost of replacing your vehicle after an accident. They can also protect you against theft and 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.
Comprehensive insurance policies will usually cover more than the minimum. Compare car insurance quotes across multiple companies to get the best rates. You might be able stack your uninsured/underinsured limits for a lower rate.
Georgia has the lowest cost auto insurance at $2,110 per year. It's not too expensive, but it might be worth shopping around if you're on a limited budget.
Finding the right Georgian insurance can seem daunting. There are several companies that can help. Direct Auto, for example offers both standard and nonstandard insurance at a reasonable price. You can access their online quote tool to help you find the best coverage for you. Additionally, they can connect you to independent agents who can help you find insurance policies that are right for you.
Last but not least, comprehensive and collision insurance policies can cover your losses in case you are involved into a car accident. Your policy will determine whether your insurance company will pay for property damage or injuries.