Things to Know Before You Buy
The chore of finding automobile insurance is intimidating to a lot of people. We’ve done the work for you at Georgiacarinsurancequotes.org. We’re here to help you find cheap Georgia car insurance quotes. There is a big difference in what you pay for the minimum coverage required by law and the amount of coverage you choose. Since your rates are determined in a large part by your driving and safety records, it never hurts to know the laws. We cover the basics below, and provide an easy to use quote widget that can provide cheap auto insurance quotes in Georgia quickly and easily!
Laws and Requirements for GA Auto Insurance
Finding cheap Georgia car insurance quotes is a challenge because average rates are higher than many states. However, Georgia is not a no-fault coverage state. That means most drivers carry PIP coverage to cover any potential lawsuits and other costs. Neither is Uninsured/Underinsured (UM/UIM) required. Many drivers also choose to carry this coverage for the protection it offers. The minimum coverage required, including Liability, is as shown in the chart below:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Georgia law enforcement officers take driving and speeding laws seriously. They know that obeying the posted speed limits lower accidents and traffic fatalities. They also play a key role in keeping traffic manageable. Georgia speed limits are as follows:
|Interstate Rural||70 mph|
|Interstate Urban||65 mph|
|Other Limited-Access||65 mph|
|Roads Other||65 mph|
Finding More Info on Georgia Auto Insurance
It never hurts to be a well-informed driver. The more you educate yourself about your state’s laws, regulations, and insurance requirements, the better off you will be. Visit the Georgia Department of Motor Vehicles for information on obtaining your driver’s license, requirements for ID Cards, and vehicle registration.
Georgia Department of Insurance
The official Georgia state Website
Finding Discounts on GA Car Insurance
Insurance providers that cover Georgia drivers establish what the risk of an accident is for a given driver. There are many ways to control your insurance costs with discounts such as taking a driver’s education class and installing anti-theft devices in your car. The cost of your coverage will be higher if you have a long commute to work and if you drive during rush hour. Even the color of your car enters into rate calculations.
Our job is to help you sort through those items before you buy your insurance. Everyone has to have the minimum coverage, but you get to choose the final insurance coverage that you purchase. Finding a good insurance provider in the state of Georgia is much easier at Georgiacarinsurancequotes.org. All you have to do is fill in a few items in the quote widget below!
Start saving money now — enter the details and we will show you great quotes to choose from!
For more detailed savings tips, you can view one of our city reports:Georgia Facts
Georgia Gov Site