Saturday, December 20, 2014

Georgia Car Insurance




Georgia Car Insurance: Essential 

Driver Requirements


A car insurance policy is a standard requirement every driver needs to
satisfy to be able to drive legally in the state of Georgia. You can get
by with the minimum state requirements, but it is always wise to own a
coverage with higher limits.
Liability car insurance is mandatory for every car in the state of
Georgia in order to pay for any injuries or property damage after an
accident. Liability car insurance covers the medical bills and for the
damage done to vehicles as well. The minimum legal requirements are:
  • $25,000 per person for Bodily Injury Liability
  • $50,000 to cover bodily injuries of more than one person.
  • $25,000 covers Property Damage Liability.
Drivers also need to carry the hard copy of their insurance policy in
their car as proof. This proof of auto insurance is also required while
traveling out of the state.
It’s recommended that driver also purchase the Uninsured/Under insured
Motorist Bodily Injury covers injuries caused by an uninsured or under insured driver. However, this policy is not mandatory in Georgia.
More in depth details are available from Georgia Department of Insurance in Atlanta at 404-656-2070 or through their website at http://www.inscomm.state.ga.us/.
There are various ways in which you can reduce you can insurance premiums in Georgia, some of which are:

Install Security Devices in the Car

Getting a security devices fitted in your car such as locks reduces the
risk of your car being stolen. Cars with security devices installed get a
discount on car insurance, especially if they are approved or fitted by
the manufacture.

Multiple Car Discount

Most insurance companies offer discounts for customer willing to
insurance more than one car. Getting auto insurance for your family cars
under one policy can mean a significant cost saving. Using out free
quotes comparison tool at the end of this article, you can check which
companies your area offer multi-car insurance discount.

Yearly Policies

A yearly policy gives you a fixed rate of insurance which cannot be
altered for one year. If for instance, you choose a car insurance policy
for six months, your insurance rates will change every six months. The
rate after six months may increase unexpectedly which can affect your
finances.

Comprehensive Storage Coverage

If you are not planning to use your car for a long time, you can just
keep comprehensive coverage for that period, instead of a full coverage.
There is near zero chance of the car being involved in an accident
while locked in the garage.

Reduce your Mileage

It is wise to move near the place of your work or study. Cars that have
less mileage are offered discounts, as they don’t run too much risk of
getting into an accident, at least in most car insurance companies risk
management calculations.

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