Augusta lies near the Savannah River. Every year the famous Masters Golf Tournament is hosted in the National Club of Augusta. Augusta has good medical facilities and also known for the biotechnology industry. It is the second biggest city after Atlanta in the state of Georgia. Around 190,000 residents live in this city. Auto insurance in Augusta GA is affordable as compared to other cities of its size. This helps a lot when you search for good deals and discounts for auto insurance in Augusta GA.

All Drivers must carry minimum liability insurance to drive in Georgia. The minimum liability limits are as follows:

  • Liability for bodily injury – $25,000 per person
  • Liability for bodily injury – $25,000 per accident
  • Liability for property damage – $25,000 per accident

Types of Coverage for Auto Insurance in Augusta GA

Though state law requires a driver to carry the minimum required liability coverage, it is advisable to opt for a higher amount to cover you and your car. If your car is valuable or worth more than $2,000, then do consider adding collision coverage and comprehensive coverage to your auto insurance or even going for full coverage. If your car is damaged in an accident, collision coverage will cover the expenses. Comprehensive coverage also covers damages to your cover; however, it excludes covering damages from a collision. It will cover damages caused due to weather conditions, fire, theft, or vandalism.

Adding uninsured (UM) and underinsured (UIM) motorist insurance coverage is optional, and it is not a mandatory requirement by the state of Georgia. Instead of adding the UM or UIM, drivers can add the new at-fault liability coverage. If you add this new add-on coverage, it may cost you 2 percent extra on your car insurance in Augusta Georgia. However, this will be additional coverage and protection over your liability coverage.

Medical expense is another coverage that you can add to your auto insurance. Medical expense coverage will take care of your expenses and bills if you’re injured or hospitalized. Similarly, personal injury protection will also take care of your medical expenses. Additionally, it will also take care of other losses incurred due to the accident, such as childcare expenses.

Factors that Determine Car Insurance in Augusta Georgia

Insurance companies consider several components before providing a quote to a potential customer. If a driver wants to get an economical or reasonable insurance rate, there are a few things you should be aware of to control the rates. A driver with a record of an at-fault accident, speeding tickets, or other violations, will lead to a high insurance premium. Maintaining a good driving record can help you in controlling your insurance cost.

Credit history is another factor that insurance companies consider. Poor credit history will cost a driver a higher insurance cost than a driver with an exceptional credit rating. If a driver is young, his insurance rate will be much higher than an experienced and matured driver. A teenager pays the most expensive insurance cost. However, the insurance charge gradually decreases from the age of 20 onwards. Location is another factor that is considered by insurance providers. If a location is known for crime, theft, or even bad weather condition, the insurance premium will be much higher. A safe and sound locality with much less crime or theft will have a cheaper insurance rate.

Insurance companies consider a various number of components from drivers driving records to the make and model of their vehicle.  These components are considered to check what kind of insurance rates to apply to a car owner. If the probability of a car owner filing for a claim is high, then the quote is also high; the lower the probability of a car owner filing for a claim, the quote is also lower. You can check our list of the best car insurance companies today.

Before purchasing auto insurance, check the ratings of the insurance providers on NAIC. Invest in companies that are financially stable and can be trusted.

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