Georgia Car Insurance: Essential Driver Requirements

A car insurance policy is a standard requirement every driver needs to satisfy to be able to drive legally in the state of Georgia. You can get by with the minimum state requirements, but it is always wise to own a coverage with higher limits.

Liability car insurance is mandatory for every car in the state of Georgia in order to pay for any injuries or property damage after an accident. Liability car insurance covers the medical bills and for the damage done to vehicles as well. The minimum legal requirements are:

$25,000 per person for Bodily Injury Liability
$50,000 to cover bodily injuries of more than one person.
$25,000 covers Property Damage Liability.

Drivers also need to carry the hard copy of their insurance policy in their car as proof. This proof of auto insurance is also required while traveling out of the state.

It’s recommended that driver also purchase the Uninsured/Underinsured Motorist Bodily Injury covers injuries caused by an uninsured or underinsured driver. However, this policy is not mandatory in Georgia.

More in depth details are available from Georgia Department of Insurance in Atlanta at 404-656-2070 or through their website at http://www.inscomm.state.ga.us/.

There are various ways in which you can reduce you can insurance premiums in Georgia, some of which are:

Install Security Devices in the Car

Getting a security devices fitted in your car such as locks reduces the risk of your car being stolen. Cars with security devices installed get a discount on car insurance, especially if they are approved or fitted by the manufacture.

Multiple Car Discount

Most insurance companies offer discounts for customer willing to insurance more than one car. Getting auto insurance for your family cars under one policy can mean a significant cost saving. Using out free quotes comparison tool at the end of this article, you can check which companies your area offer multi-car insurance discount.

Yearly Policies

A yearly policy gives you a fixed rate of insurance which cannot be altered for one year. If for instance, you choose a car insurance policy for six months, your insurance rates will change every six months. The rate after six months may increase unexpectedly which can affect your finances.

Comprehensive Storage Coverage

If you are not planning to use your car for a long time, you can just keep comprehensive coverage for that period, instead of a full coverage. There is near zero chance of the car being involved in an accident while locked in the garage.

Reduce your Mileage

It is wise to move near the place of your work or study. Cars that have less mileage are offered discounts, as they don’t run too much risk of getting into an accident, at least in most car insurance companies risk management calculations.