For your protection, the state of Georgia has minimum requirements for liability coverage.  Under current state law, all Georgians must carry a minimum of 25/50/25 coverage.

The first 25 stands for up to $25,000 in bodily injury liability coverage.  This means, if you go with the state minimum you will protected with up to $25,000 in coverage for a single person who is injured as result of getting into an accident with you.  Please keep in mind that since this is liability coverage, this covers you for injuries to someone who was involved in a accident with you but was not occupying your vehicle.

The 50 stands for up to $50,000 in bodily injury coverage for all people that were injured as a result of getting into an accident with you.  So, if you are found to be at fault of causing an accident, and multiple people are injured as a result of that accident, your minimum liability coverage covers you up to $50,000 for all persons injured.  Once again, since this is liability coverage, it only covers you for injured people who were not occupying your vehicle.

Lastly, the second 25 in the 25/50/25 stands for up to $25,000 in property damage liability coverage.  By going with the state minimums for liability coverage in Georgia you will covered up to $25,000 in repair costs for other people’s property that gets damaged as a result of getting into an accident with you.  This includes vehicle damage as well.

We often get asked,  are the state minimums enough?  The answer is really varies from person to person.  Yes, it is going to be easier for you to get cheap car insurance in any state including Georgia if you go with the state minimums.  Think about it like this, the state minimums represent the least amount of coverage you are allowed to purchase by law.  However, we ask you to consider whether or not saving a couple of dollars now is worth the potential financial headaches later on if you are found to be at fault of causing a serious accident. 

If you are unsure as to which coverage and how much of that coverage is ideal for you, we encourage you to visit the insureuonline.org website.   Insure U Online is a website run for the state insurance commissioners of each state.  They also have a free app. on their site that allows you to enter the particulars of your life situation, including your marital status, annual mileage, vehicle you drive, etc.  Their free application considers the particulars of your lifestyle and circumstances.  The result is that it provides you with policy recommendations based off of your particulars.  It is a great way to identify which and how much coverage is optimal for your needs.  If you have any uncertainty as to your policy requirements, we encourage you to visit their site.

To learn more about insuring your vehicle in the state of Georgia, please also visit the Georgia Department of Insurance website.  Once there, you can learn more about the state law and the latest news concerning insuring your vehicle in the state.

If you have an interest in learning about licensing and vehicle registration, please visit the Georgia Department of Driver Services website.  Once there you can find out more about getting licensed and registering your vehicle.  Furthermore, you will have access to forms, hours, and locations of Driver Services offices.

For those of you, who already know what coverage and how much coverage is ideal for you, then we encourage you to look for cheap car insurance quotes on our free price comparison portal.  One of the best ways to save hundreds on insuring your vehicle is to take the time to do price comparisons.  The reality is, the more time that you dedicate to shopping around, the more likely you will be to find high quality coverage at a low cost price.

In addition to shopping around for the best deals, we strongly advise all motorist to drive cautiously and alertly at all times.  Furthermore, by adhering to all posted traffic signs and speed limits you can further reduce your risk of getting into a future accident which in time increases your probabilities of qualifying for cheap car insurance.  Your prior driving record is weighed most heavily by insurers before they offer you a rate quote.  Drivers with blemish free records represent low risks of getting into future accidents.  Drivers with moving violations, accidents, and dui’s on their licenses represent much higher risks of getting into future accidents.  Therefore, it is much easier for people with blemish free licenses to get low cost premiums than it is for those who have marks on their license.

Beyond your driving record, insurers consider the vehicle you drive, your age, marital status, living situation, occupation, annual mileage, zip code of residence, and more variables before they decide how much to charge you in premiums.  But no matter what you personal situation is, a great way to find cheap car insurance is to dedicate the time to look for it by doing thorough price comparisons before you choose a provider to insure you and your vehicle.