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Types and Amounts You Must Carry
Georgia liability insurance covers damage you cause others through your own negligence in accidents at which you are at fault. Georgia state law requires only bodily injury and property damage liability insurance. Minimums include bodily injury protection of $25,000 per person and $50,000 per accident, and property damage coverage of $25,000.
Physical damage auto insurance, which pays for any damage or loss to your own car, is also available in the form of comprehensive or collision insurance. Although these are not required by Georgia state law, your lender or leasing company will usually require you to add these coverages to your Georgia auto insurance policy.
Finding the Auto Insurance You Need
Looking for Georgia auto insurance can be a time-consuming process. But if you know what to look for and what to ask, that search can be much more efficient.
Use these tips to help you find the best, most affordable Georgia auto insurance policy:
Your Cost Determination
Georgia auto insurance companies use various factors to determine your auto insurance rates:
Each of these details plays a vital role in the determination of your insurance premium. Georgia insurance companies set rates according to calculated risk levels, so a driver who has multiple tickets, lives in a high-crime area or drives an expensive automobile will likely pay higher rates than one who has no tickets or accidents, or who drives a less expensive vehicle or one that costs less to repair.
Frequently Asked Questions
"How can I save money on my Georgia auto insurance premium?"
There are several ways to save money on your auto insurance premium. Consider setting your deductible as high as you can possibly afford. This can cause coverage rates to drop because it means potentially lower insurance payouts. Maintain a good driving record to lower your risk rate. Ask your Georgia auto insurance agent about any available discounts that might lower your auto insurance rate. Finally, comparison shop, checking out as many auto insurance rates as possible before making your final purchase.
"What should I do if I don't understand all the terms of my Georgia auto insurance policy?"
Contact your agent for clarification and/or explanation. This is part of his/her responsibility in servicing your policy. If this does not resolve the issue, write or call the Georgia Insurance and Safety Fire Commissioner's Office, and they will be happy to help you.
"How much will my Georgia auto insurance company pay me if my car is damaged?"
Your Georgia auto insurance company is required to pay the amount necessary to return your car to the condition it was in just before the accident. You may request information from the insurance company or your agent regarding repair facilities within a reasonable distance. However, you are free to choose your own repair shop.
"What should I do if my Georgia auto insurance company cancels or nonrenews me?"
Talk to your insurance agent or company to find out why your policy was cancelled or nonrenewed. If you are not satisfied with their explanation, you may contact the Georgia Insurance and Safety Fire Commissioner's Office with your complaint, or to ask for help. You may reach them at 800-656-2298 or online at www.gainsurance.org.
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