Most states require that drivers or the owners of vehicles carry some type of auto insurance. In no-fault states, drivers are required to have personal injury protection insurance as well. Georgia isn’t a no-fault state, but it does have a requirement that registered vehicles have insurance. A person’s license can be suspended, and the driver could go to jail if there is no insurance. Unfortunately, insurance can be expensive, and those prices can go up with a history of moving violations, DUIs, or accidents. Credit scores can also affect the price of insurance. Fortunately, for Georgia drivers, Benzinga has some suggestions for the best insurance rates.
Georgia’s minimum insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability coverage. It also requires $25,000 per accident in property damage liability coverage. With a clean driving record, the average yearly rate is $3,390. This provides no coverage to protect the driver’s vehicle. To protect your vehicle, you’ll need collision coverage. To protect a vehicle from non-accident losses, you’ll need comprehensive coverage.
The type of car a person drives can affect their insurance rates. For example, certain cars are more likely to be stolen. Insurance rates for comprehensive coverage could be higher on these vehicles. Cars that have advanced safety features like emergency braking or lane departure warnings may have lower rates than the same model without those features. Some cars are even more likely to be involved in an accident. Rates for these vehicles can be higher.
If a driver has a less than stellar driving record, their insurance rate can be higher. Different infractions are weighted differently, meaning that some infractions can raise a rate higher than others. For example, an accident where the driver is fully at fault may not raise the rate as much as an accident where there is no fault. A DUI is one of the more serious infractions, which can easily raise the rate much higher.
When it comes to choosing a company, it might be beneficial to look for more than just the cheapest rate. For example, the best overall for Georgia was Farm Bureau, which took home JD Power’s 2019 Customer Satisfaction Auto Insurance survey’s top spot.
If you’ve been injured in an accident and your insurance company isn’t paying what they should, John Foy & Associates can help.