Why is auto insurance so important in Georgia? Because it's required!
Georgia drivers are required to carry liability insurance coverage, which covers damages to other drivers, their vehicles, and other property in the event of an accident that you are found to be at fault for. Georgia also offers uninsured motorist coverage, which can help protect you if you're hit by a driver without insurance.
There are no shortage of places to obtain auto insurance, but how do you know if 1) your getting a good deal/not paying more than you should and 2) what you really need?
IPG is here to help! When quoting car insurance in Georgia, there are five key factors to consider:
Coverage Types: Make sure you understand what types of coverage are available and choose the right ones for your needs. Common types include liability, collision, comprehensive, personal injury protection (PIP), and uninsured motorist coverage.
Deductibles: Decide on the amount you are willing to pay out of pocket before insurance kicks in, known as a deductible. A higher deductible can result in lower monthly premiums, but it's important to choose a deductible that you can afford if you need to file a claim.
Discounts: Ask about discounts that may be available to you, such as those for safety features, multiple cars, good driving records, and more.
Insurance Company Reputation: Research the insurance company you are considering to ensure they have a good reputation for paying claims and providing good customer service.
Cost: Compare quotes from multiple insurance companies to find the best overall value, not just the lowest monthly premium. It's important to balance the cost of coverage with the level of protection offered.
