Driving the Peach State: Georgia Auto Insurance

Whether you're taking a date up for a picnic on Stone Mountain, taking the kids to The World of Coke on the weekend, or trying to keep your sanity in the middle of Atlanta rush hour, it's increasingly clear that you need to protect yourself. There are thousands of drivers taking to the roads every day, and sometimes it seems like there are just as many companies offering you Georgia auto insurance quotes. The best way to lessen the pressure and avoid a headache? Shop around. Georgia insurance is much more straightforward than you think, as long as you gather enough information.

Start With the Minimum

Every driver in the Peach State must have auto 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. Georgia is a tort state, which differs from a no-fault system; basically, a driver in Georgia will be found at fault for an accident, and his/her insurance company will be liable for the damages. So, you should seriously consider uninsured/underinsured motorist coverage when shopping for Georgia auto insurance quotes, even though this coverage is not required by law.

Cruising the ATL

Statistics say that the average drive time to work in Atlanta is 28.3 minutes, but you and everyone you know probably swear it's closer to 45. Whatever your perspective, a quick search of Georgia auto insurance quotes reveals that keeping your composure and making smart choices leads to lower premiums. For example, a 35-year-old single male in Atlanta who drives a 2008 Honda Pilot, 30 miles a day, five days a week, will pay $1,620 a year for the state minimum coverage. If this man was cited for speeding six months ago, his premium rises to $1,900. If he decided to let his insurance lapse two months ago, the annual cost will be nearly $2,000.

Consolidation Saves Money

Georgia residents know how this works: buy a single Coke from a vending machine, and you might spend a dollar. Buy a six-pack, and the price per can is less than half that. In a similar fashion, you can easily save money when you compare Georgia auto insurance quotes by making informed decisions. One way to save on both your auto and home insurance policies is to combine them in an umbrella policy. You may also want to add a health or life insurance policy. Placing multiple drivers on a single policy also reaps benefits. In Macon, a 28-year-old married woman who drives a 2005 Toyota Camry to work every weekday pays around $1,070 per year for the state minimum coverage. If she adds her husband-who drives a 2007 Volvo S60 to work daily-to her policy, the total cost for both of them is about $1,195-a huge savings per person.

Safety Is the Best Policy

In one sense, you could say this means driving carefully (or maybe just staying out of the car altogether in Atlanta). But since this is rarely a reality, the safest thing to do is find the best auto insurance quotes. You can compare offers or turn to a free service like NetQuote.com, which makes the process quick and painless. And if you're a safe driver, with no history of accidents or traffic violations, you'll find a premium as refreshing as an ice-cold Coke.