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Cheap Georgia Auto Insurance

Cheap Georgia auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Georgia.
auto insurance in Georgia

If you’re looking for cheap Georgia auto insurance you’ve come to the right place. We’ve been a trusted solution for a plethora of people, those that encompass just about every inch of the driving spectrum. We simply believe in reliable and affordable car insurance, and we make sure you find it using our free quote tool!

Georgia Car Insurance Law and Common Practices
The state of Georgia requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state -- but it is recommended, even if it does drive up the rate for your cheap auto insurance policy in Georgia. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

Your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person. The exclusion must be stated in the insurance policy or on an endorsement added to the policy. If your policy lapses or cancels, you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away, and that’s not hard to do, especially considering the litanies of avenues for cheap Georgia auto insurance policies. If the lapsed period is more than 10 days, you may be fined, as well as lose your license plates and registration. In the state of Georgia, lack of mandatory insurance is considered a misdemeanor.

Georgia insurance companies can use your credit history to accept applicants and set insurance rates. They may also use your credit score to determine your risk factors. Since Georgia is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance, and that’s even possible to do when you’re buying a cheap auto insurance policy in Georgia.

Georgia Insurance Averages
The average insurance premium in Georgia is approximately $788.00 as of 2006 and the state is ranked as the 22nd most expensive for insurance premiums in the nation, meaning that it shouldn’t be too hard to find a cheap Georgia auto insurance policy. The lowest premiums are offered to 65 year old married couples with a clean driving record. The highest premiums by all insurance companies listed are set for single 19 year old single males. Not all registered insurance companies in Georgia offer insurance to all categories. The highest premium is set by the Fireman’s Fund Insurance Company and National Surety Corporation for 19 year old single males. This premium is $9,377.00. The lowest premium of $500.00 is offered by State Auto Property and Casualty Insurance Company for the 65 year old married couple with the clean driving record.

One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums, and is highly beneficial if you’re looking for a cheap auto insurance policy in Georgia.

All in all, you’ll find that our free quote tool will help you find a very good policy. But in the state of Georgia, that isn’t particularly hard to do, as there are many fantastic companies that are willing to help. With these two things being the case, you’ll find that your wallet will be able to breathe easier with a new policy for your car!

Source: Georgia Auto Insurance Laws

Useful links:
Georgia Division of Motor Vehicles
Georgia Division of Insurance
Georgia Department of Revenue

Georgia minimum requirements
Bodily Injury Liability per Person: $25,000.00 Limit
Bodily Injury Liability per Accident: $50,000.00 Limit
Property Damage Liability per Accident: $25,000.00 Limit

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