| Type: |
|
|
Georgia Auto Insurance, Free Quotes
The basic Car Insurance Requirements in Georgia are as follows:
Liability Insurance is a minimum requirement and a low cost car insurance option as long as the vehicle is not financed.
The liability Minimums are 10/20/10 (Bodily Injury and Property Damage)
25/50/25 Explained:
The first 25 represents $25,000, the maximum coverage for one person’s injuries, $50,000 for the total coverage for all injuries sustained in one incident and last but not least $25,000 for the property damage maximum coverage amount.
Georgia Car Insurance Laws:
Insurance proof is a requirement at registration and of course after an accident. The First Offense Penalty for drivers in Georgia is rather stiff compared to other, states. The penalty is a $200 – $1000 fine and up to 1 year in jail.
Low Insurance in Georgia, Know the Insurer:
When shopping for low insurance in Georgia you first must look at coverage through the eyes of the Insurer. The Insurer will first look at recorded statistics. Insurers use the Law of Large numbers to begin figuring premium rates. In 2006 there were 342,156 car accidents recorded within the state of Georgia alone. Of these, 1,562 collisions resulted in fatalities. Male drivers made up 57 percent of the total car crashes in 2006 and 72% of crashes ending in death were caused by Male drivers. This is where insurance companies decide to charge less to Female drivers. Also, in 2006, the Georgia Highway Safety took 100,000 licensed drivers between the age of 16 and 17 and found there was a 184% higher rate of accidents compared to drivers over the age of 24. Now how about population? If your shopping for auto insurance in Atlanta, as a driver you will find yourself classified as a higher risk by the Insurer compared to a driver shopping for insurance in Albany or any other smaller Georgia cities.
Now, after all the statistics and figures are played out the rest is up to you and your driving history. This is where it really pays off to drive safe and abide by the law. You can also take advantage of discount programs available. Programs will vary between Insurers. The best way to go about it is to simply ask your agent about any additional steps you can take to lower your premium. Find more information on lower car insurance rates here.
