Whether you live in Atlanta, Macon, or Savannah, it’s
important for you to find the best rates on Georgia
auto insurance. After all, you can come up with
much better ways to spend the extra money than using it to pay
for insurance premiums! But with so many different auto
insurance companies in Georgia, where do you begin?
That’s where Insurance-Rates-Online.com comes in – we’ll give
you the information you need to find the auto insurance coverage you want at a great
Minimum Georgia Auto Insurance
RequirementsThe state of Georgia has minimum
requirements for liability insurance which you must carry to
legally drive. That includes bodily injury liability
coverage of $25,000 per individual and $50,000 per incident,
plus $25,000 in property damage liability coverage.
While that’s all you need to drive within the state, if you
have any assets at all, you should consider purchasing a higher
amount, like $100,000 per individual and $300,000 per incident,
plus $100,000 in property damage liability. That is
because if you cause an accident, and the bills exceed your low
coverage amount, you are financially liable for the
difference. It is much cheaper in the long run to pay a
little extra for auto liability insurance coverage than to risk
losing everything you’ve worked so hard for in an instant.
Shopping for Auto Insurance in
GeorgiaAs you apply to auto insurance companies in
Georgia for free quotes, it’s important to know the things they
will consider to determine the rates they’ll offer you.
The most critical factors include
- Driving Record – Be honest about any tickets or
accidents you or any other drivers in your household have
been involved in, especially within the last three
years. The insurance company will find out anyway, so
it’s better to spill the beans up front. Besides, if
the company issues you a policy then discovers you were
dishonest within the first sixty days of coverage, they do
have the right to cancel the policy.
- Credit Scores – Statistics have shown that individuals
with good credit not only are conscientious about paying
their bills, they are also better drivers.
- Average Mileage Per Year – Is your commute to work long
or short? Normally the less you drive, the lower your
- Vehicle – If your car is a sensible family sedan,
rather than a sassy sports car, you can count on lower car
insurance rates. When you buy a new car, the best
options you can choose are the safety oriented ones, such
as electronic stability control and side air bags.
Our Insurance Shopping Tips center has great ideas on
saving money on auto insurance to help you
keep your rates low.
Optional Georgia Car Insurance
CoverageWhile you are only required to carry
liability insurance, it’s also smart to purchase other types of
auto insurance coverage to make sure that you’re protected in
case of an accident. This includes:
- Comprehensive insurance – covers losses due to theft,
vandalism, fire etc.
- Collision insurance – this will repair your vehicle if
an accident is your fault.
- Uninsured/underinsured motorist insurance – though
everyone is supposed to have insurance, we all know that
many people are driving out there without it. This
will pay for medical bills and damage repair if the person
responsible doesn’t have insurance coverage.
- Personal Injury Protection (PIP) – pays for medical
bills if you are in an accident, regardless of fault.
If you have good health insurance coverage, you probably
won’t need PIP, but since the cost is usually low, it may
be a good idea for extra protection.
For More InformationContact the
Georgia Insurance and Safety Fire Commissioner at 800-656-2298
or visit their website at http://www.inscomm.state.ga.us/.
Time to Start Comparing Georgia Auto
Insurance RatesNow that you know what you need and
want, the next step is to compare rates from Georgia automobile
insurance companies. It’s easy to get free quotes from
companies in your area. Just enter your zip code in the
box below, and you’ll be matched with Georgia car insurers
offering coverage in your area in seconds.