Car insurance is a necessity for drivers. Not only is it required by law, but it also protects you financially in the event of an accident. Shopping for car insurance and receiving quotes may feel daunting, but there are ways to approach the process with clarity to find the policy that fits you best.
If you’re currently shopping for car insurance, consider the following:
Your State’s Car Insurance Requirements
In Georgia, drivers must purchase car insurance that covers:
- Bodily injury liability: A minimum of $25,000 per person and $50,000 per accident
- Property damage liability: A minimum of $25,000 per accident
- Uninsured motorist bodily liability: A minimum of $25,000 per person and $50,000 per accident
We recommend much higher limits than the minimum to protect you and your family in the event of a serious accident, especially if you were ever involved in an accident with an uninsured or underinsured driver.
There are other options than Georgia’s minimum requirements that offer even better protection on the road, including:
Comprehensive coverage
This protects your car from most situations other than collisions like theft, fire, weather damage, vandalism, etc.
Collision coverage
Whether you’re at fault in an accident or not, collision coverage takes care of the damages sustained from a collision with another vehicle. It also protects you from damages in a single-vehicle accident.
Medical payments coverage
If you or your passengers sustain injuries from an accident, medical payments coverage will provide a certain limit to help with medical bills from necessary treatment.
Rental Reimbursement coverage
This coverage can assist you with transportation while your vehicle is being repaired after a covered insurance claim.
Towing & Labor coverage
If your car is unable to be driven due to a breakdown or emergency, this coverage will pay for the reasonable costs of towing it to a shop for repairs. It also provides lockout services, gas delivery, battery services, etc.
Your Car’s Annual Mileage
When insurance companies determine your insurance premium, they consider many factors including the average annual mileage of your car. Higher mileage means you spend more time on the road which increases the likelihood of an accident. When shopping for car insurance, you’ll be asked:
- What’s the primary use for your vehicle? (Commuting, pleasure-driving, business, etc.)
- How long is your commute?
- How often do you commute?
- What is your average annual mileage?
Your Driving Record
Your record is a great resource for insurance companies as they determine your premium. A clean driving record works in your favor to help lower the cost of coverage. Drive safely and do what you can to avoid traffic violations and car accidents if you want to keep your premium on the low side.
Your Insurance Options
If you’re shopping for car insurance, it’s best to gather quotes from several different companies to know which policy will work best for you. Some companies provide estimates through online tools, but it can be beneficial to speak with an agent on the phone or in person when possible. You’ll get a more personalized experience and a better feel for their customer service.