Georgia auto insurance rates vary greatly from one driver to another. For this reason, even though you often hear about great deals someone has gotten on car insurance, it is important to shop around and get your own customized quotes. It is quite simple when you use an online quote tool. You simply provide the information as prompted and in no time you get a variety of quotes to choose from.
Georgia Auto Insurance Rates: Required Coverage
The state of Georgia requires all drivers to carry liability coverage in the following amounts:
$25,000 bodily injury per person
$50,000 bodily injury in total per accident
$25,000 property damage in total per accident.
If you are getting quotes on Georgia auto insurance rate, however, you will likely need to specify that you want a quote on minimum coverage only if this is indeed what you want. Otherwise, the standard most insurers quote on is:
$100,000 bodily injury per person
$300,000 bodily injury in total per accident
$100,000 property damage in total per accident.
These limits are much more realistic to cover the costs of a serious accident.
Georgia Auto Insurance Rates: Suggested Coverage
In addition to bodily injury and property damage liability coverage, a policy should include collision, comprehensive, uninsured motorist coverage, personal injury protection or medical payments, rental car coverage and towing and labor costs.
Collision pays for damage to your own car that you cause in an accident. Comprehensive covers damage done by others, forces of nature or covered perils. Georgia is the 4th highest state in frequency of auto theft in the United States, making comprehensive very important. In addition, both these types of coverage are required by lenders who hold notes on vehicles that are financed.
Uninsured motorist coverage provides for any bodily injury you or family members suffer at the hands of someone who does not have insurance. (In the state of Georgia, the risk is pretty high as an estimated 15.7% of drivers are uninsured, making the state the 14th in terms of uninsured driver percentages.)
Personal injury protection or medical payments provides you with added security in the case of bodily injury. It covers things like lost wages that are not covered elsewhere.
Rental car coverage, towing and labor costs are good extras when they come cheaply on a policy but many car clubs and premium credit cards also offer them.
Shop Around for Georgia Auto Insurance Rates
When you are looking for Georgia auto insurance rates, it only makes sense to put the best to work for you. Allow InsuranceBestPrices.com do the work so all you need to do is compare and choose your next policy. Click here.
