Georgia Car Insurance Quote
Many car insurance companies offer various discounts that can include good student discounts, safe driver discounts, and discounts for safety and security devices. Safe driving techniques and security options help to reduce the amount of car insurance claims filed, and therefore some insurance companies may choose to pass along the savings to you. However, not all insurance companies offer the same discounts, or the same discount amount for identical situations, so it pays to use Quotecarinsurance.com to help you find the companies that offer the best discounts based on your individual circumstances and increase your chances of saving money on your car insurance premiums.
The average car insurance premium for Georgia residents was approximately $883 in 2002. In 2003, just one year later, car insurance rates in Georgia increased about 4.19%. But there is good news-in 2007 Georgia residents are expected to see the first decrease in car insurance rates since 1999. Though not as great as the annual increases, the car insurance premium decrease in 2007 is projected to be approximately .5% to 1% less than the premiums paid in 2006.
Georgia motorists paid an average of $920 for car insurance in 2003. Unlike less fortunate individuals who resided in states that were subject to more costly car insurance premiums, Georgia residents paid fairly close to the national average of $914 for their car insurance coverage. Even if the amount you have been paying for car insurance is close to the national average, the chances are very good that you will save more money by taking advantage of the free professional expertise and valuable tools at Quotecarinsurance.com.
The minimum amount of car insurance coverage required by Georgia residents is mandated by the state of Georgia. Although you must purchase at least the minimally required car insurance coverage, not all car insurance companies offer the same rates for identical coverage. Quotecarinsurance.com details the specific car insurance coverage minimums for the state of Georgia, as well as many other states, and allows you to compare the rates of many different car insurance companies to find the best rate for the coverage you need and want.
The minimally required car insurance coverage in the state of Georgia is Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident and at least $25,000 in Property Damage Liability coverage. This type of car insurance coverage is often referred to as 25/50/25 coverage.
The state of Georgia does not require its motorists to purchase Personal Injury Protection coverage nor Uninsured/Underinsured Motorist coverage, though many Georgia motorists do add this optional coverage to their car insurance policies for added protection, in part because the state of Georgia follows a Tort system. The Tort system is unlike No Fault coverage in that the Tort system holds the driver found to be at fault in an accident and their insurance company liable for all damages that result from the accident. Uninsured/Underinsured Motorist coverage provides insurance coverage should you be involved in an accident with a motorist who is uninsured or underinsured. Personal Injury Protection, also known as PIP coverage, helps to cover reasonable and necessary medical expenses beyond what is provided through your Bodily Injury Liability coverage for you and your passengers.