How to Get Cheap Auto Insurance in Georgia

Georgia has been known to have high auto insurance rates and drivers on a budget may have trouble finding a suitable policy. However, there are ways to get lower rates on your policy. If you live in Georgia, you can use Insurance Navy to compare insurance quotes. This website can help you get an affordable auto insurance policy in the state. auto insurance quotes georgia

Georgia requires all drivers to carry a minimum amount of auto insurance. This law was implemented to protect drivers and ensure they are financially responsible. You may also be able to opt for self-insurance but you need to meet certain requirements in order to do so. Georgia auto insurance will protect your finances, and you’ll have to show proof of coverage to law enforcement or lienholders.

The minimum amount of coverage you should have is called liability coverage. This type of insurance will pay for damages you and another driver cause in an accident. The minimum coverage is $25k for property damage and bodily injury per person. However, it’s generally recommended that you choose a higher amount of coverage.

Driving without insurance can result in license suspension, a fine of up to $200, and potential criminal prosecution. If you’re caught driving without insurance, the Georgia Department of Driver Services will contact your insurance company and give you 30 days to purchase a new policy. If you fail to do so, you may be subject to fines of up to $185 and even jail time. For high-risk drivers, there are also options through the Georgia Automobile Insurance Plan.

If you’re interested in purchasing a high-risk auto insurance policy, it is best to choose a company that has strong financial stability and few complaints. Poor customer service and financial stability may make it difficult to receive payouts if you’re involved in an accident. Most complaints against car insurance companies revolve around delays in processing claims and denials. This is why it is important to shop around before deciding on a company.

Auto insurance in Georgia is costly for high-risk drivers. High-risk drivers are penalized up to 50 percent higher than average drivers. WalletHub recommends comparing high-risk auto insurance quotes before choosing one. For example, drivers who have a history of serious driving violations are often required to pay an extra $1,988 per year for their policy.

While you should not purchase higher deductibles than you can afford to pay, you should also consider purchasing comprehensive or collision insurance, because these policies will protect your property. They also cover your car in case of an accident, and may also cover the costs of a rental car. Some companies also offer medical coverage, which is another benefit of buying auto insurance.