Affordable Insurance

It is very important for Georgians to carry adequate insurance coverage for their vehicles. To protect yourself properly it is important to understand what coverage you have. Affordable Insurance agents are dedicated to helping Georgia motorists find the lowest quotes for car insurance policies from well known companies they can feel comfortable doing business with.

Georgia Minimum Car Insurance Requirements

Because of the increase in motorists on its roadways and the increased chance of its residents being involved in a collision, Georgia’s minimum car insurance requirements are higher than many other states. The minimum liability coverage is set at 25/50/25 for bodily injury and property damage.

•    Bodily Injury Liability- Bodily injury liability covers the medical expenses of the driver and passengers of the other vehicle. If you obtain only the minimum required coverage the insurance company will pay a maximum of $25,000 for a single person and a maximum of $50,000 for all persons for a single incident.

•    Property Damage Liability- Property damage liability covers repairs to public and private property such as road signs and homes as well as the other party’s vehicle. Minimum coverage will allow for a maximum payout of $25,000 per incident.

Full Coverage

With the ever-increasing costs of medical expenses and repairs, it is advisable that Georgians obtain better-than-minimum coverage for their vehicles. The state of Georgia also advises its motorists to obtain some type of Comprehensive and Collision coverage to pay for damages to their vehicle if they are found to be the at-fault party or if their vehicle is damaged by acts of nature such as hail or wildlife.

Uninsured Motorist (U/M)

Uninsured/Underinsured motorist protection is also recommended by the state of Georgia because of the chance of other motorists failing to maintain adequate insurance coverage. UM protection will help cover damages to your vehicle if the other motorist does not have adequate insurance protection.

Gap Coverage

Another type of coverage offered by many Georgia car insurance companies is Gap coverage. In the event that your vehicle is totaled in an accident, insurance companies will pay a maximum of the Kelly Blue book Value to the insured party. Unfortunately, this does not always cover the total loan value of the vehicle. Gap coverage helps to fill the gap between the Blue Book value and the actual loan value owed.

Georgians, on average, pay less for their auto insurance premiums than many other states. Independent agencies such as Affordable Insurance Agency wants to help Georgia motorist pay the lowest price possible for their auto insurance policies. Shopping rates for insurance customers puts the pressure on insurance companies to keep their rates as low as possible to earn your business. Affordable Insurance Agency searches our partner companies for cheap car insurance quotes for each of our customers, allowing them to choose the best insurance policy for their vehicles at an affordable price. And getting the quotes is easy. Simply call Affordable Insurance Agency directly to talk to one of our agents today or simply fill out the online quote request located on the home page.   Georgia car insurance quotes. It’s quick, it’s easy, and best of all it’s free!