When you pay your monthly auto insurance, it may feel like any other monthly bill. This is especially when everything is going great. However, if you have an accident, you would be happy to have car insurance to cover the damages that may occur. It will take a bit of effort to make sure that you get the best auto insurance in Georgia. This is because the rates vary widely between insurers. We can help you to identify the best auto insurance in Georgia for your car in the peach state.
Insurance premiums for cars in Georgia are on the higher side. About a decade ago, a bill was passed which reduced the system of checks and balances that were placed on car insurance companies. After the bill became a law, auto insurance premiums in Georgia have risen steadily.
In addition to that, there are more accidents caused by distracted driving, rising traffic, and opioid use. This also increases the premium amounts. As a result, a resident of Georgia has to pay more premium than residents in their neighboring states have to.
When you take the best car insurance in Georgia, you have to include liability insurance which means that you will have pay for the damage of others property and personal injury to others when you have caused the crash or accident. You can also check the best car insurance companies in U.S.
The minimum liability coverage as per the laws of the state of Georgia is:
- $25,000 per person bodily injury liability coverage.
- $50,000 per crash bodily injury liability coverage.
- $25,000 per crash property damage liability coverage.
Since the rate of accidents in Georgia is high, it is better to get the coverage which is much more than the minimum as per the law. If you are involved in an at-fault crash you may have to pay a lot more from your pocket than the above mentioned amounts.
Types of Coverage for Best Auto Insurance in Georgia
It also makes sense to consider additional auto insurance coverage types. Collision insurance is coverage in case you need to repair your car if you have caused the accident. Comprehensive insurance protects you from damage to your car from flooding, hail, animals, and vandalism. It also can be used to replace a car that is stolen.
If your car is less than ten years old, it is advisable to buy collision and comprehensive coverage.
In Georgia uninsured and underinsured coverage is optional. However, it makes sense to opt for it. At just about 2% more you can have uninsured and underinsured coverage as a part of your insurance. If an uninsured or underinsured person has an accident with your car, you won’t have to worry about payments and repairs. Depending on the additional coverage that you choose, you will need to pay an additional premium.
Factors that Determine the Best Car Insurance in Georgia
There are many factors that affect your premium. Your age and driving record are important factors when it comes to determining your premium. If your age is less than 25 or more than 60 your insurance premiums can be higher. The model and make of your car are important as some cars are more expensive and need more expensive repairs. The age of your car too plays an important role and so does the safety features of your car. Finally, it makes sense to get your insurance from a reputed insurer. This helps when you are making a claim. When you check reviews online, you may read reviews which are biased. That may negatively impact your ability to choose the right insurer and get the best car insurance in Georgia. Instead, you can check the ratings of the insurance company with NAIC (national association of insurance commissioners). They have unbiased reviews and ratings. This helps you to make the right decision.