Are you a driver in Georgia? Then you need to know about Georgia auto insurance laws and regulations. This state has one of the higher minimum required coverages for drivers in the country. Let us look at these requirements.
Like many other states, Georgia requires a minimum liability coverages for bodily injury and property damage. These minimum requirements are thus:
A minimum bodily injury liability cover of $25,000 per person and $50,000 for same cover per accident.
For property damage, there is a minimum required cover of $25,000 per accident.
If you are leasing a car or getting an auto loan, your lender or loan company would demand that your policy includes a Physical damage auto insurance cover though this is not at all mandatory by law. This covers your car against damage or loss. I guess the reason for this is pretty obvious.
You can reduce the rate you pay if you can improve your driving records, ensure your car is parked in a safe location, install security gadgets in your to reduce its likelihood of being stolen etc. All these are examples of discounts that you can take advantage of and there are a lot more of them. There is also the option of reducing your rates by increasing your deductible. Your deductible is the amount you choose to pay before your insurance policy comes into play. The higher you choose to pay from your pocket, the lower your rate would be and the lower you choose to pay from your pocket, the higher your rate would be. You need to be very careful here.
The first thing I always advise drivers to do is to get and compare quick auto insurance quotes. Auto insurance quotes is your best way of getting to find a very affordable auto insurance rate. When you have gotten and compared auto quotes, you can then go ahead to look at some of the suggestions above. There are many other ways that you can reduce your rates and talking with your insurance agent can help you take advantage of these money saving tips.
If at any time you feel you need to know something about auto insurance as it affects the state of Georgia, do not hesitate to call the Georgia Insurance and Safety Fire Commissioner’s Office at 800-656-2298. They would be able to provide you with answers that would enable you get the most out of your auto insurance cover and also deal with any issues you may be having.
Do not forget to get and compare quotes.
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