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Georgia Car Insurance

Finding Georgia car insurance requires you to do research on what coverage is necessary to insure your vehicle.  This webpage will walk you through the minimum state requirements for auto insurance in Georgia, but most importantly, show you a few ways to save some money on your premium.

In Georgia, you’ll find you have a number of companies that want to provide you with auto insurance. By the end of this article, you’ll be in a position to choose the best one for your needs.

Georgia Car Insurance State Requirements

Each state typically carries different mandatory limits on certain coverage to insure your vehicle.  Georgia requires bodily injury and property damage to be carried on your vehicle and the limits are as follows:

  • Bodily Injury:  $25,000 per person/$50,000 per occurrence

  • Property Damage:  $25,000 

Georgia Car Insurance Policy Basics

Understanding insurance terms are essential to ensuring you choose the right policy to protect your vehicles and any other drivers on the policy.  The first type of coverage is referred to as liability coverage, meaning that it covers the other drivers or damaged property from an accident you caused.

Here are the liability coverages:

  • Bodily Injury:  This coverage will pay for medical bills for those injured in the other vehicle.
  • Property Damage:  This pays for repairs to the vehicle damaged in the at-fault accident. 

The next set of available and optional coverage pertains to your vehicle and your passengers: 

  • Medical Payments:  This pays for medical bills for you and your passengers in an accident caused by you.
  • Uninsured Motorist Bodily Injury:  In the case that the accident was not your fault but the other party was not carrying insurance, this will pay for medical bills for you and your passengers.
  • Comprehensive:  This coverage pays for repairs to your vehicle for occurrences such as theft, vandalism, hail storms, and glass breakage.
  • Collision:  In an at-fault accident, this coverage pays for repairs to your vehicle.

Finding Cheap Georgia Auto Insurance Rates

Now that you have a general awareness of insurance terms, we can move on to what factors affect the premium of an insurance policy in Georgia. 

  •  Driving History: The biggest factor is first and foremost your personal driving history (and any other driver on the policy).  The more accidents and tickets you have racked up, the higher your insurance premium is likely to be.  And obviously by maintaining a clean record, your premium will reflect that as well. 
  • Age: It hurts you on both extremes, and the middle typically bodes better.  As a 16 year old driver, you are just beginning with little driving history behind the wheel and will often show poor judgment as a result.  Similarly, as we age, our reaction time slows, other physical factors may appear, and statistics show we are more likely to get into an accident. 
  • Geography: Different locations show patterns for different risks.  For example, living in an urban area may pose a higher frequency for accidents as opposed to a rural area with less traffic. 
  • Daily Commute: If your work commute is 30 miles a day, you are spending more time out on the road then someone with a 2 mile work commute.  Statistically speaking, you may be more likely to be involved in an accident. 
  • Credit: Yes, your credit may be used as a factor by your insurance company to determine your premium.  The higher your credit score, the less your premium will be affected negatively by it.

Georgia Car Insurance Discounts

  • Multi-Line Discount:  With many companies they will offer a discount on both your auto and homeowners policy if you combine policies.

  • Accident Free Discount:  While it varies by company, most will look for a 3 to 5 year accident free period before offering this discount.

  • Defensive Driving Discount:  By taking a defensive driving course, you can be eligible for a discount on your car insurance policy for up to three years.  Many states make this course available even online; check with your state DMV for more information.

  • Good Driver Discount:  Again it depends on the company’s guidelines, but most will want a 3 to 5 year period of no accidents or tickets before awarding a percentage off your premium.

  • Good Student Discount:  This will come to a relief for many parents that are adding on a child that is a new driver.  If your son or daughter has a B average or better (at least a 3.0 GPA), most companies will give a discount after receiving proof of their good grades.

Find Georgia Auto Insurance Quotes Online Today! 

Use our free Georgia car insurance quote search tools to find better insurance today.  Begin your search for Georgia car insurance now!

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