It is illegal in Georgia to drive without minimum liability car insurance coverage. Georgia also has many misconceptions about its unique driving laws. It is important to understand the driving laws of any state you are driving through, because being found in violation of those laws often has dire consequences.
Any driver in the state of Georgia is required to maintain personal liability insurance. Bodily injury protection (BIP) and personal injury protection (PIP) protection limits have to be set at least at $25,000 per person or $50,000 to everyone involved in an isolated incident. Property damage insurance must be equivalent to at least $25,000 for every occurance.
Optional, affordable Georgia car insurance coverage includes collision, comprehensive, uninsured and under-insured motorist coverage, towing and labor coverage, and rental reimbursement coverage. In the event of an accident, these additional coverages can be worth much more than the premiums paid to obtain them. Collision coverage pays for any physical damage to your car as the result of colliding with an object, so long as the cost of damages exceeds your deductable. A higher deductible means more out-of-pocket expense each month, but will make this insurance much more affordable. The overall premium is based upon the value of your vehicle. Comprehensive coverage insures you against damage caused from fire, weather, vandalism and theft. Uninsured/underinsured motorist coverage protects you against other drivers who may be driving illegally, whether entirely without insurance or without satisfactory liability allowances.
In Georgia, residents often pay high premiums. In 2003, the average insurance premium was around $920, or $6 above the national average. Rates decreased in 2007 by .5% to 1%, and it’s important to shop around for a cheap Georgia car insurance provider at these new low rates! Insurance companies also offer discounts. You can make sure you are getting the best rate by shopping around and comparing discounts for good grades, good driving records, etc.
The State of Georgia has currently been the subject of some confusion. An email hoax was recently launched in 2007, stating that a number of new laws were being enacted. This email is largely a hoax. There are several new laws pending in the Georgia State Legislature that would restrict the use of mobile phones by school bus drivers, prohibit the use of cellular or mobile devices by drivers under the age of 18, and establishing point penalties for such conduct.
