Auto Insurance In Georgia

Shopping for auto insurance is one of those chores that tends to get put off because people typically don’t know what to look for or how to find better rates. They assume that insurance rates are fixed, or that the best rate last year will continue to be the best rate this year. This is not always true, however. You can save significantly by updating your auto insurance regularly and the process will be much easier if you know what to look for and how to find the best rates.

What Are the Requirements for Auto Insurance in Georgia?

The state of Georgia has implemented a 25/50/25 minimum for auto insurance coverage. This means that each driver is required to purchase $25,000 per person of bodily injury, $50,000 of injury coverage per accident, and $25,000 of property damage coverage. Keep in mind that these are minimums and may not provide adequate coverage in the event of an actual accident. You have the option of purchasing more coverage if you wish to. You may also want to consider purchasing uninsured/underinsured driver insurance to protect yourself if you are in an accident where a driver without insurance or with not enough insurance is at fault. This is not a requirement in Georgia, but it is a wise move to protect yourself should this type of situation arise.

How Much Auto Insurance in Georgia Do I Need?

The above amounts are the minimum requirements for auto insurance in Georgia, but they don’t provide a lot of coverage. It is recommended that you purchase as much insurance coverage as you are able to afford. In the event of an accident, you’ll be glad you did. The actual amount of coverage you buy is a personal decision and depends upon the value of your car as well as your financial situation. However, the general recommendation is that your purchase $100,000 per person of bodily injury coverage and $300,000 per accident. The same recommendations apply to uninsured/underinsured driver insurance as well. Take a look at your health insurance policy before purchasing bodily injury coverage. If you have excellent health insurance that would cover your injuries if you’re in an accident, you may be able to get by with less bodily injury auto insurance coverage. Collision and/or comprehensive coverage should be purchased for your vehicle based on the expense of your car. You’ll want to purchase more coverage for a new or expensive car than you would for a clunker.

How Can I Find the Best Rates for Auto Insurance in Georgia?

Finding the best price on auto insurance is like finding the best price for any major purchase: you must shop around. Auto insurance in Georgia is available through a variety of private insurance carriers, so taking advantage of a centralized website that can compare quotes will save you a lot of legwork. Keep in mind that the cheapest rate is not always the best. Take a close look at the fine print to determine what exactly is covered, how much coverage you would receive, and what the claims process is like. Once you’ve determined the best two or three companies, take the time to speak with an actual representative in order to evaluate their customer service. Good service can save you a lot of time and trouble if and when you need to file a claim.

Taking the time to shop around for auto insurance can save you a lot of money in the long run. While you may cringe at the thought of doing all that research, you can speed the process up significantly by doing most of your searching online. Enter your zip code at the top of this page to receive your free auto insurance quote today.