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Georgia car insurance laws
Georgia is considered a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Georgia.
Georgia auto insurance laws require liability coverage of 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for damage you cause to the other party's property.)
However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.
Georgia auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.
You may want to consider purchasing any or all of these coverages, especially uninsured and underinsured motorist coverages. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.
Sidebar If you are a Georgia resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.
The price of Georgia auto insurance is decided by the behavior of the state's drivers as a whole. Georgia auto insurance companies take the cost of providing insurance for Georgia drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, Georgia car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Georgia driver, is that you need to shop around. It's the fastest easiest way to save on an Georgia auto insurance policy. Fortunately, shopping around is easy to do online.
Where you can get Georgia auto insurance quotes.
The following web sites will help you find Georgia car insurance quotes: (these links will open in a new window)
ComparisonMarket is the best online insurance shopping service, and it is the place where you are most likely to save $$$ on top-rated coverage.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.