Buying Georgia Car Insurance

Georgia state flag buttonWhen buying auto insurance policies in Georgia, drivers should do so carefully and take various steps to help make sure that they get the right product from a reputable provider. By comparing quotes from various companies and looking into the carriers that are being considered, a motorist should be able to locate affordable coverage from a reliable source.

Compare Quotes and Buy GA Auto Insurance

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Plan to Purchase Adequate Protection

One of the most important steps in obtaining a Georgia auto insurance policy is determining the right type of coverage.
State laws require that motorists carry liability coverage meeting the following minimum levels:
  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage
These amounts will commonly be referred to as 25/50/25 and may seem sufficient in the event of a traffic accident, but industry professionals often recommend limits of 100/300/50. This is a significant increase in coverage, but it can typically be purchased for just a small increase in premium, and it provides much more protection.

Additionally, motorists will have to decide whether to buy optional types of coverage. The most common addition to a policy is comprehensive and collision protection, which covers the insured automobile for physical damage; individuals who own vehicles of high value or are financing an automobile will likely benefit from this form of protection. Also available to consumers is Medical Payments, which will pay for injuries sustained by the occupants of the insured vehicle following a traffic accident; this could be useful in helping pay for medical expenses for individuals who do not have a health care plan.

Compare and Research Coverage Providers before Buying

Once a consumer has decided on the protection he or she needs, a car insurance comparison of quotes and companies will help locate affordable rates and reputable carriers. Motorists will usually benefit from obtaining rates from as many insurers as possible since each carrier has a unique rate schedule. Premiums can vary quite a bit, and although a motorist may be tempted to buy the cheapest policy, it may be worthwhile to look into the company offering the coverage prior to making the purchase.Georgia state

To be on the safe side, or if unfamiliar with a company, it is usually a good idea to make sure that it is licensed prior to buying a policy. It may also be worthwhile to look into the complaint history of a carrier to ensure that its customer satisfaction level is up to par; licensing and complaint information can typically be found by contacting the state department of insurance. By taking the steps mentioned, consumers can increase their chances to buy auto insurance that meets coverage needs and is provided by a quality carrier.