In Atlanta GA, minimum liability auto insurance is required by law. The coverage requirements are $25,000 per person for bodily injury, $50,000 per accident for bodily injury of two or more persons and $25,000 per accident for property damage.
Atlanta auto insurance companies will probably encourage you to purchase more than the Georgia minimum liability auto insurance requirement. The only time that more insurance is required is if you do not personally own your auto and are making payments to a lender or financer. Another case would be for drivers with numerous citations, suspensions and poor driving records. If any of these conditions exist you will probably be required to purchase full-coverage insurance.
Atlanta drivers shouldn't operate their vehicles on the roads without some kind of Atlanta auto insurance policy. Georgia issues penalties for drivers who allow their car insurance policies to lapse or become cancelled.
If you're having problems obtaining cheap Atlanta car insurance, contact the Georgia Insurance and Fire Safety office. They can provide you with auto insurance rate comparisons in Georgia. All you have to do is read the sample scenarios (which include the gender, age, and yearly mileage of a person), choose one, and the Georgia Insurance and Fire Safety office will give you an estimate of how much Georgia auto insurance you can expect to pay as an Atlanta driver. The office will also assist you in finding out if a particular car insurance agent or agency is licensed to sell car insurance in Georgia.
Most auto insurance providers base there quote on demographics, your location, amount of cars you drive, thefts and crashes. You can lower your quote by being a safe driver and having anti-theft and safety devices on your vehicle.
How To Save Money on Auto Insurance
Best ways to save on Atlanta auto insurance is to shop around. Spend time getting some comparison quotes. Since rates do vary you could save hundreds just doing this. Get a minimum of three or more quotes. The Internet is one of the easiest ways to do this. You can get online quotes from individual insurance company Web sites or by visiting a comparison site that allows you to enter your information once, then provides several quotes back.
Drive less. Many insurance companies will provide you with a lower rate if you drive infrequently.
Increase your deductibles. Having a higher deductible can really lower how much you pay for insurance. You just want to be sure you can afford the deductible in the event of a claim.
Take advantage of discounts. Most car insurance companies that do business in Atlanta offer a variety of discounts. You can save by insuring your car and home (or getting renters insurance) with the same company. Other discounts include having anti-lock brakes, good grades (for students) and senior driver discounts.
Maintain a good credit rating. Today, many car insurance companies are using credit scores to assess the risk of a driver. Thus a good credit rating often means a lower rate.
