Empire State of Mind: Georgia Insurance

In the Empire State of the South, pride and tradition goes back past the manners of Scarlett O'Hara and up through Bulldogs football, the 1996 Olympic Games, and beyond. Protecting your traditions is more than a mindset; it's a fiscal necessity. Georgia insurance is one thing you should never overlook, whether this means protecting yourself against frustrated commuters in Atlanta or preparing your home for hurricane damage. If you take the time to compare Georgia insurance quotes, you'll discover that great coverage at affordable prices is far from "gone with the wind."

Your Personal Empire

Homes around the Peach State, from the hills of Savannah to the streets of Macon, cost an average of $746 per year to insure. But you can find lower Georgia home insurance quotes if you make your home safer. Enhancing your home's fire protection with smoke alarms and fire extinguishers can lower that premium to $634. Anti-theft protection such as deadbolt locks and an alarm system often leads to savings up to 10%. These steps make fiscal sense, because you never want to leave your home unprotected against severe weather. Hurricane winds, and the heavy rains they carry, are always a danger in Georgia. Check your policy to determine the amount of coverage you have against wind damage-especially the coverage for important possessions. And consider a flood policy as well. Flood damage is rarely covered in a home insurance policy, as these damages fall under federal (FEMA) regulations. The extra coverage will raise your Georgia insurance quotes, but the losses you may suffer without such coverage are worth the moderate savings.

Reckless Driving

If you're headed to see the natural wonders of Okefenokee Swamp, or to enjoy an afternoon Braves games, reckless driving isn't just speeding or carelessness on the road; it means driving without insurance. State law requires at least a 25/50/25 policy: bodily injury liability limits of $25,000 per injured person up to a total of $50,000 per accident, and property damage liability coverage with a minimum limit of $25,000. If you fail to show proof of insurance of at least these minimum levels, you'll face a $25 lapse fee, an additional registration fee, and possibly a six-month registration suspension. And once you purchase a policy, safe driving keeps your costs low. A 35-year-old man in Atlanta will see his Georgia auto insurance quotes jump as much as $300 a year if he gets a speeding ticket. Make smart choices. You'll find that a clean driving record and good credit history go a long way. And when you shop around, consider placing multiple drivers on a single policy. In Macon, a 28-year-old woman can save hundreds of dollars a year simply by adding her husband to her car insurance policy.

Do the Math

The right protection is out there for home, auto, life, health and business insurance if you compare enough Georgia insurance quotes. A free service like NetQuote.com makes the process easy by allowing you to enter your information one time. You can see the financial effect of combining your home and auto policies, or changing your profession, or any number of other considerations. If you crunch the numbers and make informed decisions, you'll feel as unstoppable as Herschel Walker on the goal line.

Georgia Insurance Information By City:

RoswellSavannahWarner Robins
Johns CreekAugusta