A Guide to Auto Insurance in Georgia

Motorists searching for car insurance quotes in Georgia should look no further than some of the excellent price comparison websites used by affiliated carriers within the Peach State. By registering to a chosen site and completing a simple form, road users can have access to some of the most competitively-priced polices available on the internet.

 In many instances, consumers will find a series of comparative auto insurance quotes that are significantly cheaper than those offered elsewhere. This is because most carriers who offer car insurance quotes through price comparison websites realize that they are competing for business with a large number of other companies. The intense competition is excellent news for motorists and the chances of picking up increased levels of coverage at incredibly affordable prices are excellent.

It is important that consumers use their price comparison skills effectively. It can be foolish to settle on a policy on a basis of price alone. Often, inadequate insurance coverage leads to larger complications further down the line, especially if the insured vehicle is involved in a future road traffic accident. Although most forms of coverage will offer the legal minimum level of protection, an at-fault collision with an expensive vehicle will lead to higher out-of-pocket expenses for the policyholder.

The state of Georgia uses a detailed computerized database to store information about road users and their vehicles. One of the primary concerns about vehicle use in Georgia centers around auto insurance and if a motorist is found to be uninsured for any period of time exceeding ten days, there is a possibility of vehicle registration being suspended until proof of insurance can be provided. If coverage has lapsed, a reinstatement fee will be applicable once the vehicle is registered again.

There are a number of minimum auto insurance requirements in Georgia and obtaining the correct levels of coverage is a mandatory obligation. At the very least, all motorists must carry the following amount of insurance:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $25,000 of property damage liability

These requirements often cause confusion amongst many road users in Georgia but they are very easily explained. Georgia operates the Tort system in relation to all auto insurance coverage requirements and when an individual is found to be the responsible party in a road traffic accident, any subsequent claims made by other motorists involved in the collision will be made through the insurance company of the at-fault driver.

Bodily injury liability covers the cost of medical treatment, loss of earnings and any trauma incurred as a result of the actions of another driver. If the aggrieved party decides to take the at-fault policyholder to court, bodily injury liability will also cover the cost of fees up to the full value of the purchased coverage.  Property damage liability covers the cost of damaged caused to the property of others by an at-fault motorist. As well as covering the cost of repairs to the damaged vehicles of third parties, property damage liability will also pay for damage sustained to property contained within a vehicle, perimeter fencing or homes.

Because the minimum levels of coverage are reasonably low, motorists are advised to purchase additional coverage wherever possible as long as it is affordable to do so. In most instances, the following levels are recommended on all auto insurance quotes although it should be remembered that these suggestions are optional:

  • $100,000 worth of bodily injury liability per person
  • $300,000 worth of bodily injury liability per accident
  • $100,000 of property damage liability

Although premiums for increased coverage will obviously be higher, the chances of exceeding the suggested limits are fairly remote and these levels should be affordable for most road users in Georgia.

Cheap car insurance quotes can still be obtained by following a series of simply rules. Somewhat surprisingly, road users can have an incredibly direct effect on insurance costs and by following a few simple guidelines, hundreds of dollars can be saved on the cost of most typical auto insurance quotes:

Build a Good Driving Record – If motorists can prove themselves to be responsible behind the wheel of a car, their insurance costs can fall dramatically. Avoiding claims and violations will go a long way to securing better coverage deals.

Multiple Policies – By insuring every vehicle within a household through the same insurance company, further discounts will be applied. Most carriers offer reductions of up to 20% on their car insurance quotes if polices are pooled together.

Marriage and Children – Parents are viewed very favorably by insurance companies. Getting married and settling down to build a family is a sign of growing maturity and responsibility. If a parent is driving a car with their children inside, they are much more likely to operate defensively and this significantly reduces the chances of an accident. Presentation of a marriage certificate may be required in some cases.

Special Features – Many vehicles have added features that can help lower the cost of auto insurance quotes. In particular, security devices are integral to reduced premiums so immobilizers, security markings on windows and the latest GPS satellite tracking systems are all recommended. Further reductions will apply if a vehicle has enhanced safety features such as airbags and anti-lock braking.

Choice of Vehicle – A flashy SUV might look great in the driveway and cause the neighbors to get jealous but it’s unlikely to secure the cheapest car insurance quotes. Sticking with a moderately-priced family car could be the key to cheap auto insurance although older vehicles and those with smaller engine capacities are also treated kindly by insurance companies.

Deductibles – Deductible figures have always been a traditional method of keeping auto insurance costs down. The higher the deductible figure, the lower a premium is likely to be. It should always be remembered that any increase in deductible will result in further out-of-pocket expenses if the policyholder is ever involved in any subsequent road traffic accidents.