Georgia Car Insurance Guide
It is illegal to drive your car without automobile insurance in almost every state, including Georgia. The overall purpose of car insurance is to protect you from the high financial costs of an accident. In addition, car insurance in Georgia can protect you from vandalism, fire or theft. Drivers in the state of Georgia have a responsibility to others on the road to obtain the proper amount of car insurance in Georgia. By choosing to drive without the sufficient amount of car insurance required in Georgia, you could potentially put others at financial risk. You can find out how much it would cost you to get insurance from Georgia car insurance by contacting our office at (678) 461-9950.
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Georgia Car Insurance Quote
Call Julie, one of our Georgia Car Insurance specialist, to receive instant quotes from the top carriers in the insurance industry. Julies expertise and attention to detail regarding the needs of our clients is second to none. Once Julie walks you through our process, which usually takes about 15 minutes, she will then provide you with the most up to date rates from several insurance providers, enabling our clients to have the benefit of choice. By working with multiple carriers we are able to provide the most efficient solutions for our clients needs when it comes to their insurance needs. Call Julie today at (678) 461-9950 and figure out what keeps our customers coming back. Our trained group of Specialist are on stand by awaiting your inquiry for Georgia Car Insurance, please don’t hesitate to call and once again thank you for visiting the Morrow Insurance Group of Atlanta, Georgia.
Types of Car Insurance in Georgia
Liability and collision are the two basic types of car insurance. Liability insurance covers the damage you do to others during an accident. It is usually written as three numbers. For example, you can see it written as 100/300/100. This means your policy covers up to $100,000 in bodily injury costs per person, $300,000 in bodily injury costs per accident and $100,000 in property damage. Bodily injury liability covers the hospital bills and wages lost due to the injury for damage you do to others. Property damage liability insurance pays for the repairs or replacement of the property you destroyed during an accident. This can include cars or parts of a person’s house, and even in some cases building and supply material.
Collision insurance for your vehicle covers the repair or replacement of your own car after an accident. Insurance companies in Georgia will generally replace your car by giving you its cash value if the repairs are over 70% of the automobile’s value. You can also get comprehensive coverage. This covers you for damage to your car that doesn’t occur during an accident. This can include fire damage, vandalism, natural disaster, theft and animal collisions. You can find out how much it would cost to get liability or collision by calling our office at (678) 461-9950.
You will also want to look into getting medical payments coverage. Medical payments coverage is required in a large number of states, but it is not required in Georgia. However, it is a good idea to get it because medical payments coverage pays for you and your passengers’ medical bills after an accident. The policy will cover you no matter who causes an accident. In addition, you will be covered even if you are driving somebody else’s car.
Georgia Car Insurance Quotes
You will want to get several insurance quotes before buying automobile insurance in Georgia. You can get quotes online or by going to your local insurance agent. The Request A Quote form will let you know how much an insurance policy from Georgia Car Insurance will cost.
It can be helpful to get recommendations from your friends and family who have Georgia car insurance. This will help you find an insurance company that you know you can trust. You may have to spend a lot of time working with your insurance agent, so you will want to find someone who is friendly and helpful.
Why do I need Georgia Car Insurance?
You may sometimes find yourself wondering why you need car insurance in Georgia or whether it is worth it to get the best Georgia car insurance policy possible. While they may not seem immediately obvious, there are several reasons why you need car insurance in Georgia. Keep in mind that different car insurance policies are priced differently on a case-by-case basis. Georgia car insurance can help you find out more about pricing by calling our office at (678) 461-9950.
- Protect Your Investments
One of the main reasons you need Georgia car insurance is to protect your investments. This applies to your vehicle as well as any loans you may have taken out to purchase it. Without Georgia car insurance, you may find yourself making payments on a totaled car. Atlanta, Georgia is consistently rated as one of the top five worst cities for traffic. The Atlanta Regional Commission reports that a traffic accident occurs in the Metro Atlanta Area about once every 2.8 minutes. Having auto insurance in Georgia can help you avoid the negative repercussions of such a statistic.
- Avoid Bankruptcy
Without auto insurance coverage in Georgia, any unintentional injury or death caused to another human being could cause you to go bankrupt. Likewise, lack of auto insurance could also equal serious financial problems if you cause property damage with your vehicle. Fill out the Request A Quote form on the right side of this page to learn how you can avoid this.
- It’s the Law
Georgia law requires drivers to carry accident liability insurance for all the vehicles they own. When you buy auto insurance in Georgia it must cover $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people and $25,000 per accident for property damage. While Georgia does not require motorists to purchase Personal Injury Protection or Uninsured or Underinsured Motorist coverage, many Georgia drivers add it for its extra protection.
Driving without car insurance or expired insurance in Georgia can result in steep penalties. In addition to possible registration suspension, driving without valid Georgia car insurance results in the driver being charged a $25 lapse fee as well as $60 reinstatement fee that must be paid before his or her license plates may be renewed. For repeated offenses, these fees rise sharply. By the third offense, the reinstatement fee reaches $160. Driving with a suspended registration results in even harsher penalties and the driver will be charged with a misdemeanor.
There are very clear reasons for why every driver in Georgia needs to have car insurance. It protects their investments, prevents them from serious financial loss and is required by law. To find out what type of car insurance coverage you need and to do discover more about pricing on specific policies, give us a call at (678) 461-9950.
Tips on Safer Driving
On average, there are approximately 1,700 automobile related deaths in the state of Georgia each year. Every day in Georgia, nearly 1,200 car accidents take place, many of which could have been avoided by following just a few tips on safer driving. Safe driving is not only imperative to the well being of yourself and your passengers, but also for the drivers you share the road with. By following a few tips on safer driving you can easily reduce your likelihood of being in a serious car accident.
- Follow the Rules
The rules are there for a reason – to promote safer driving. You should always follow the rules of the road and obey all traffic signals and posted signs. Always wear your safety belt and make sure young children are properly restrained in child safety seats. Keep a distance of at least one car length away from the vehicle in front of you in case you need to stop quickly. Never attempt to cross railroad tracks when the lights are flashing. These tips may seem like common sense, but many drivers each year choose to ignore them and pay the price with their lives.
- Reduce Speed
A car accident can easily go from bad to worse depending on your speed. After all, hitting a car going 25 MPH and hitting the same car going 80 MPH will have two very different results. You should go fast enough to keep up with the flow of traffic but no faster than the posted speed limit. In adverse weather conditions, you should keep your speed down to avoid losing control of the vehicle.
- Pay Attention
Too many distractions can have serious consequences, so pay attention to the road. You should avoid tasks like eating, drinking, talking on your cell phone or sending text messages while driving. Utilize the preset buttons on your radio to make searching for a new station less distracting. Distractions have a way of popping up from time to time, so wait until you have come to a stop or pull over to the side of the road before you deal with that emergency phone call or baby in the backseat.
- Be Prepared
Safer driving begins before you even hit the road because preparedness is an important factor. Know what the weather is going to be like and prepare for the driving conditions. Make sure you have an emergency kit in the vehicle. Be sure to change your oil every few months and have your tires replaced as they become worn.
- Auto Insurance
Accidents happen, even when you try your best to avoid them. This is why driving with proper auto insurance is crucial. To request an auto insurance quote, please fill out the Request A Quote form on the right side of your screen.
How To Reduce Your Georgia Car Insurance Premium
Car insurance is something that every vehicle owner needs. However, this does not mean that you have to pay outrageous amounts of money for it. There are many ways to reduce your car insurance premium in Georgia, and many of them require little to no hassle.
- Insurance Representatives
Insurance representatives are professionals when it comes to dealing with customer concerns and questions. Take advantage of this resource and be direct with any inquiries you have about your auto insurance policy. After all, they are trained to help you get the best coverage and the best deal possible.
- Driver’s Education Class
You can often reduce your Georgia car insurance premium by simply taking a supplemental driver’s education class. This is because you are showing evidence of a true effort in maintaining a safe driving record as well as care for operating your vehicle effectively and correctly. This is a gesture that is greatly appreciated by insurance companies. Defensive Driver’s classes are also well worth the investment of your time, as not only can you potentially reduce your auto insurance premiums, but you can also learn how to be a better driver and actively protect yourself on the road.
- Multiple Vehicles and Home Ownership
If you are the owner of more than one vehicle, you can reduce your auto insurance premium and save money by putting them all under the same policy. You can also reduce your Georgia car insurance premium by simply owning your own place of residence. The home and auto discount can range anywhere from 10-40% off your combined premium. See if you apply for one of these discounts by filling out our quote form or calling our office at (678) 461-9950.
- Safety
Most importantly, drive safely. If you follow the traffic laws and operate your vehicle with caution, you are less likely to have an accident and will therefore have lower claims. By obeying road laws, you will also run less of a chance of being penalized with a ticket for reckless driving. Obviously, car accidents or violations that result in tickets and/or damage can potentially raise your insurance because you are considered to be a bigger risk. By being responsible behind the wheel, you can prevent this from happening.
- Lifestyle
There are many opportunities to receive discounts and reduced auto insurance premiums based on you and your lifestyle. Senior citizens and safe drivers can take advantage of benefits as well as students that have received exceptional academic marks. It is something that is certainly worth looking into, as you may find something that pertains to you and can perhaps reduce your auto insurance premium.
- Theft Deterrent Devices
By installing a car alarm or using theft deterrent devices, you can potentially decrease the amount of your auto insurance premium. This is because car alarms (and things of that nature) will prevent criminal activity such as break-ins, vandalism and outright theft. Because you are taking measures to reduce the risk of such occurrences, you are considered less of a liability to the company.
Commercial Georgia Car Insurance
Commercial car insurance in Georgia is a necessity for any business operating in Georgia. Whether a company owns one vehicle or a whole fleet, purchasing a commercial car insurance policy protects your assets and employees. Even one minor accident without commercial car insurance in Georgia can damage your company’s reputation and financial situation. A good commercial auto insurance policy will provide flexible coverage to help protect your business interests. Examples of such coverage include:
Leased vehicles or vehicles that have not been completely paid off. Because these still need be paid for, it is important to provide these assets with comprehensive coverage.
Vehicles owned by your company. Even if your company’s vehicles are free from loan and have been completely paid for, failing to properly insure them can result in serious damage to your business’s bottom line.
Drivers of company vehicles. Your employees need to be covered when they are working on company time. A good commercial auto policy in Georgia will insure your drivers against an accident regardless of fault. It should also cover accidents involving other uninsured or underinsured motorists.
Damage caused by accidents. Commercial car insurance in Georgia can cover accidental damage that results from a collision. This includes property damage and damage to internal mechanisms as well as injury caused to pedestrians, other motorists or your drivers.
While commercial Georgia car insurance is more expensive than personal car insurance, you can still find out information about what policies and pricing plans may be right for your business by giving us a call at (678) 461-9950.
Be sure to check out some of our other products, rate comparisons and discounts. For more information about us, call today!
