Georgia law mandates drivers and vehicle owners carry at least a minimum liability coverage, although the exact amount needed depends on your specific situation and budget. Liability-only policies tend to be cheaper while comprehensive plans with higher deductibles can become considerably more costly – an insurance calculator like Georgia Car Insurance Calculator is an excellent tool for helping determine exactly how much coverage is necessary in order to drive safely in Georgia.
Your car, driving record and amount of driving time all play an integral role in determining how much auto insurance it will cost. For instance, drivers with multiple speeding tickets typically pay more than those without any infractions or violations.
Your age also plays a part in your premiums. Drivers in their teens or early 20s typically pay more due to less experience driving; male drivers typically see higher premiums than female ones.
Your policy costs depend on your driving time and coverage type selection. For instance, if you commute long distances frequently in bad weather and need more extensive coverage. Furthermore, SUV drivers typically require higher collision and comprehensive policies than sedan drivers or smaller vehicle owners.
Finally, your monthly income has an effect on the cost of your policy. According to WalletHub, drivers with lower incomes might find it harder to secure affordable car insurance in Georgia; however there are various programs designed specifically for low-income motorists which can help them afford this expense.
Georgia Department of Revenue not only requires proof of financial responsibility at all times but will suspend or revoke registration if continuous liability coverage is not maintained; additionally a $25 fine will be assessed each 30 day period that you drive without coverage.
While owning a car may be essential for getting to work, taking public transit or carpooling with others could be more economical and convenient. When possible, try to avoid driving during rush hour times and find the shortest and simplest path possible to your destination; Atlanta was recently ranked 11th for traffic congestion in the US in 2018.
If you have questions or are in the market for Georgia car insurance policies, or would like assistance purchasing them, reach out to our team of experts. They can answer all your inquiries and suggest the ideal options based on your individual situation as well as help compare quotes from top insurers in Georgia. So start searching today – and don’t forget us when doing so – we look forward to hearing from you!