Georgia Auto Insurance
Best Car Insurance in Georgia
Many people see car insurance as a necessary evil. While it is necessary, finding cheap car insurance doesn’t have to be frustrating or expensive. Budget Insurance Agency has over 25 years of experience finding policies for every client with dedicated customer service and 24/7 insurance quotes. Everyone’s insurance needs are different. Depending on where you live in Georgia, your vehicle’s make and model and your budget, you could have a vastly different policy than your neighbor. If you’re a driver in Georgia, we can find you a policy that fits your budget and your vehicle.
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Auto Insurance in Georgia
Georgia is a beautiful state, but it presents its fair share of dangers to drivers. Hail, tornadoes, floods, theft and vandalism are all incidents that should be predicted and prevented, if possible. Over 1,720 drivers crash in Georgia every day. In 2018, there were 1,504 traffic related deaths in Georgia alone.
Although you can do your best to protect your vehicle and drive defensively, accidents can happen that are out of your control. That’s why it’s crucial to have the right policy with the correct amount of coverage.
Insurance in Georgia is relatively affordable, depending on where you are. At 2.8% less than the national average, the average cost of auto insurance in Georgia is about $1,388 a year (around $115.66 a month). In Macon, you may pay a little bit more at an average of $1,398 a year (about $116.5 a year).
This price is influenced by a range of factors, including:
- Driver’s age
- Driver’s gender
- Policy limits
- Credit score
- Claims history
- Driving record
Your driving record has a large influence on your car insurance rates. One DUI can raise your rates by 80% or more. That’s over a thousand dollars extra a year on your car insurance policy. Thankfully, there are some insurance agencies that have more forgiveness when it comes to accidents and credit scores. Even nonstandard or high-risk drivers in Georgia can find affordable car insurance. Budget Insurance Agency works with a variety of top carriers to find the car insurance policy with the right coverage that fits your budget.
Are the Minimum Car insurance Requirements for Georgia Enough Coverage?
There are certain minimum requirements for car insurance in Georgia. To drive legally, you must carry at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability
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Although this is the only legal requirement, it’s not the only coverage you need. Liability insurance steps in if you cause bodily injury or property damage, but it doesn’t cover you, your vehicle or your passengers in case of an accident. We recommend drivers carry liability coverage as well as:
- Comprehensive Coverage: Comprehensive coverage provides compensation for damage to your vehicle due to fire, wind, hail, theft, vandalism and more.
- Collision Coverage: Collision coverage provides compensation for damages to your vehicle due to a collision with another vehicle or object.
- Personal Injury Protection: Personal injury protection (PIP), also known as medical payments coverage, helps with medical bills for you and your passengers after an accident.
- Uninsured/Underinsured Motorist Coverage: Uninsured/underinsured motorist coverage provides compensation if a driver not carrying insurance crashes into your vehicle.
- Towing Coverage: Towing coverage can help with the cost of towing your vehicle after breaking down on the side of the road.
The limits of these coverage depend on your individual policy. Uninsured/underinsured motorist coverage typically comes with $50,000 per person and $100,000 per accident. Comprehensive and collision coverage often come with a $500 deductible, although this can be adjusted.
There are a range of policies and coverages you can add. If you have a classic vehicle, a new car or need rental services, you can find extra coverage. Umbrella liability insurance, for example, can step in if your car insurance liability coverages reach their limits.
Just call a Budget Insurance Agency professional in Georgia to talk about your insurance needs today! We cover Columbus, Macon, Savannah and more cities across Georgia.
Who Can I Add to My Auto Insurance Policy?
Anyone that has permission to drive your vehicle should be covered under your insurance policy. Be careful about who you add to your policy, however. Their credit score and driving record can affect the cost of your monthly auto insurance premiums.
Most policies give you the ability to list non-covered drivers, who are not allowed to drive the vehicle. If an accident happens while one of these drivers are operating the vehicle with permission, they will not be coverage.
If you add teenage drivers to your policy, your insurance premiums will jump by a large amount. Still, this is typically more cost-effective than having a teenager on their own insurance policy. You may also add another vehicle to your insurance policy. While your rates will go up, you can save money with a multi-car discount and by bundling your auto insurance policy with a home insurance policy.
Protect Your Vehicle Today
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Car wrecks are not only dangerous and scary, but expensive. Without a good insurance policy, you could be looking at paying thousands of dollars in medical bills, property repairs and even legal fees, should a crash victim decide to sue. Call Budget Insurance Agency today at 478-788-9188 or fill out an online form for a free 24/7 quote to get started. We’ll match you with cheap car insurance to protect yourself, your vehicle and your wallet.
Frequently Asked Questions
How Far Can Car Insurance Go Back?
In general, the past 5 years will be evaluated when considering your car insurance premiums.
How Far in Advance Can I Renew Car Insurance?
You typically have a 10-day period before the renewal date to renew your car insurance policy.
How Many Car Insurance Policies Can I Have?
It’s possible to have two car insurance policies, though not always from the same insurance company. Speak to an agent at Budget Insurance Agency about adding a policy to your vehicle today.
Is There a Car Insurance Agent Near Me?
Visit our location map to get directions to our nearest office. If you can’t make it, you can fill out an online form for a free quote, open 24/7!
How Can I Save Money on Car Insurance?
First, it’s important to understand what influences your car insurance rates. Budget Insurance Agency can help you save money by reviewing your:
- Credit score
- Driving history
- Discount qualifications (Good Student discount, Safe Driver discount, Low Mileage discount, Mature Driver discount, bundling discounts, Senior Driver discounts, etc.)
- Taking a driving course
- Bundling home and auto insurance
You can also save money on your monthly premiums by raising your deductible, but this means that you will pay more out of pocket if you have to file an insurance claim. Start saving money on your premiums by raising your credit score and clearing your driving record.
How Can I Compare Auto Insurance Quotes?
At Budget Insurance Agency, we compare rates for you! We’ll take a look at your coverage needs and compare rates from multiple top agencies to find you the best insurance for your vehicle at the most affordable price for your budget Get in touch for a cheap auto insurance policy today.