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Car insurance companies use various factors to determine your auto insurance rates.  These factors may include your age, type of vehicle you drive, your driving record, your claims history and even where you live.  It is difficult sorting all of this out.  This is why we suggest using our online service to get 5 free quotes.  This will guide you to the best discount auto insurance in Georgia.

Bodily Injury and Property Damage Liability Insurance

It is important to understand what your state mandates as far as auto insurance.  The state of Georgia requires only bodily injury and property damage liability insurance for all drivers.  This liability insurance covers damage you caused in an accident.

The minimum coverage for bodily injury protection is $25,000 per person and $50,000 per accident.  The minimum property damage cover is $25,000.  Property damage may include damage to other cars, buildings, road signs and fences as a result of an accident.  You may consider this minimum coverage too low for your needs and want to increase it.

Comprehensive or collision insurance is not required in the state of Georgia.  However, you probably will want this insurance, or your auto insurance company may require it.  Comprehensive insurance covers any damage or loss to your own car.

Benefits of Shopping Around for Auto Insurance

When you are looking for car insurance you should remember to check several quotes on the actual car that you want to insure.  The cost of auto insurance for any specific car, will vary from company to company. One of the reasons for this is because each company determines premiums based in part, on their past experiences with that specific car. Certain companies may have significantly different histories dealing with a specific car. Even in cases where the experiences are similar, there are bound to be small differences. Because of this, there is a definite benefit to shopping around when looking for auto insurance.

A simple way to make sure you are getting all of the auto insurance discounts you are entitled to is to ask your insurance company for a list of every discount they offer. You can work your way through this complete list to find every possible discount that may apply to your situation.  Some possible discounts may include:

• Having anti-theft devices and/or safety features, such as air bags,  in your car
• Having a good driving record
• Having a good history for paying your premiums on time
• Your age
• Having multiple policies or multiple cars with one company
• Taking a drivers training classes to refresh your skills
• Some of the major cities in GA, such as Atlanta, Augusta, Columbus, Savannah, Athens, Sandy Springs, Macon, Roswell, Albany and John Creek will traditionally offer you the cheapest auto insurance prices.

The state of Georgia requires you to have auto insurance for bodily injury and property damage coverage.  Georgia does not require you to pay top dollar for this coverage.  You can do simple things to keep your premium  from getting too expensive.  One being, getting 5 free quotes online from reputable insurance companies.  Don’t delay in getting the best discount auto insurance in Georgia with our simple and free insurance quote service.