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What to Know About Car Insurance in Georgia
If you're driving in Georgia, you may find yourself caught in the busy traffic of Atlanta, touring the historic squares and roundabouts of Savannah, or discovering one of the many historic Civil War driving routes. Wherever you drive in the state of Georgia, you must have car insurance for your vehicle.

Important Facts about Georgia Auto Insurance and Driving Laws

Georgia passed a Move-Over Law that requires drivers to move over one lane if an emergency vehicle with flashing lights is parked on the shoulder of the highway. If traffic is too heavy to move over safely, the law requires drivers to slow down below the posted speed limit and be prepared to stop. A violation of this law is considered a moving violation, which could result in points on a driver's record and a fine up to $500.
Georgia has two state agencies related to motor vehicles. The Department of Driver Services handles driver's licenses and permits. The Motor Vehicle Division of the GA Department of Revenue handles vehicle registrations, license plates and certificates of title. Car owners in Georgia must show proof of insurance in order to register their vehicles.
Texting while driving is banned in Georgia except in the case of emergencies or when drivers are fully parked. The fine for conviction is $150. Drivers under 18 are prohibited from using any wireless device while driving. This includes cell phones, computers, and all texting devices.

Required Minimum Georgia Auto Insurance Coverage
Georgia law requires that all drivers must have at least the following required minimum auto insurance coverages for your vehicle:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured Motorist Bodily Injury*: $25,000 per person and $50,000 per accident
Uninsured Motorist Property Damage*: $25,000 with a $250, $500, or $1000 deductible

Due to the rising costs of healthcare and auto repair, your insurance agent may recommend higher liability limits to better protect your financial interests.

Be sure to discuss all your options with one of our licensed agents if you're unsure of the best coverage levels for you.

Why You Need Comprehensive Auto Insurance
It is not a hard task to determine whether you require comprehensive coverage for your car. However, before you make the decision to buy comprehensive coverage, you need to have a good understanding of how it works. Comprehensive coverage is intended to cover a variety of physical damage claims, such as windshield and body damage, vandalism, and contact with an animal. Here is some information about why you need comprehensive car insurance.
Do You Have a Loan on the Car?
Lenders usually require physical damage coverage on the cars they have financed to drivers. Comprehensive is usually a portion of such mandatory coverage.
When you sign the contract for a loan, you agree to protect the car against physical damage by buying both collision and comprehensive coverage. You can end up having to deal with expensive penalties if you fail to notify your lender about your insurance coverage. You should ask your auto insurance agent to add your lender as a loss payee for the car. Doing this will ensure your lender is immediately notified of the coverage in case an accident occurs.
What Is Your Level of Risk for Having a Comprehensive Claim?
If you have a high level of risk for having a comprehensive claim, you should get comprehensive auto insurance. Some factors that will put you at high risk of having a comprehensive claim include living in a tornado alley or packing your car under a half-dead tall tree every night. Indeed, any driver can benefit from this coverage. However, for some people it’s worth more than others.
You should take the time to evaluate your risks before deciding whether to get comprehensive car insurance. In general, one would file a comprehensive auto insurance claim for damage to your car caused by the following:

Falling objects like a tree limb
Explosions or fire
Lightning, floods, or hail from tornadoes, thunderstorms or hurricanes
Theft
Vandalism and certain civil disobedience
Hitting an animal

The higher the risk is for a comprehensive claim, the more you should consider getting the coverage.
What Is the Value of the Vehicle?
If the value of your vehicle is high, this will help you decide whether it is worthwhile to pay for comprehensive auto insurance. If the vehicle isn’t worth much anymore, then coverage might not be worth the investment.
How Much Does Comprehensive Coverage Cost?
You will be happy to know that comprehensive coverage tends to be reasonably priced. As long as you are not considered a high-risk driver, comprehensive coverage is typically worth the price. Even an older car with minimal value is likely worth the replacement of a windshield from damage.
For more information about comprehensive coverage, don't hesitate to contact us.

9 Tips on how to save money on auto insurance
Are you tired of shelling out a hefty chunk of change every month for auto insurance? Well, you don't have to! With a little bit of effort and research, there are 9 proven strategies to save on auto insurance that you can start implementing today.

Consider bundling your policies with the same insurance company. Bundling can lead to significant discounts on your premiums.
Another way to save is by increasing your deductibles. Typically, the higher your deductible, the lower your premium. Just make sure you have enough cash set aside to cover the deductible in case of an accident.
Safe driving can also lead to lower rates. Insurance companies reward safe drivers, so if you have a clean driving record, you can expect to pay less for your auto insurance.
Don't forget to take advantage of discounts. Most insurance companies offer discounts for various reasons, such as good grades or driving a car with safety features.
The type of car you drive can also have a significant impact on your premium. Choose wisely and opt for cars with good safety ratings and lower repair costs.
Paying your premium annually instead of monthly can save you money in the long run. Insurance companies often charge processing fees for monthly payments.
Your credit score can also affect your premium, so maintain good credit to pay less for your auto insurance.
Consider usage-based insurance (UBI) if you're a safe driver and don't drive very often. UBI involves using telematics devices to track your driving habits and determine your premium.
Lastly, review your coverage regularly to make sure you're not paying for unnecessary coverage or are over-insured.

Start implementing these strategies today and lower your auto insurance premium. Don't let high insurance rates break the bank - keep more money in your pocket with these proven tips.

Don’t exchange personal information following an auto accident?
You generally only need give the other driver your name and information (name & phone number of your insurance company).

Would you give a stranger your driver’s license number?
Would you let a stranger photograph your driver’s license?
Would you give a stranger your home address?
Would you give a stranger your home phone number?
Did you know that some accidents are staged just to steal your personal information?

Take steps to protect yourself, your property and your identity
National Association of Insurance Commissioners (NAIC) has developed a mobile application – “Wreck-Check” to help you take the guesswork out of what information to share. It’s free and available for both iPhone & Android smartphones.
WreckCheck App for Smartphones
In the course of your lifetime, an auto accident is bound to happen. When it does, take some of the guesswork out of a tense situation with the NAIC's WreckCheck™. This free mobile app for iPhone® and Android® smartphones outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
Don't have a smartphone? Download a printable accident checklist and other tips for staying calm, safe and smart on the road.

How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.

Advertisements for cheap car insurance seem to be everywhere. Is this good enough for you?
It is a misconception that all auto insurance policies are the same. For some people, the least expensive policy is good enough. However, it is best to customize the policy to meet the specific needs of your vehicle and your lifestyle. How do you know what is too cheap and what is just right for you then?
What Your Policy Needs to Do for You
When choosing car insurance, there are a few key things to look for to determine if it is the right one for your needs. Put price aside for a moment. Only after you consider coverage, then you can compare providers to determine which offers the best price for that amount of protection. Here are a few things to consider.
Do You Have a Loan or Are You Leasing the Car?
Those who have a lease or loan on their vehicle may have a requirement from the title holder to carry full coverage. This generally includes:

Comprehensive coverage
Collision insurance
Liability insurance
Underinsured and uninsured coverage

These policies protect the value of the car. This is the value the title holder cares about. They don't want to lose their investment in your vehicle, after all.
Does the Vehicle Have Value?
If you do not have a loan or lease, consider the value of the car. If the car was not possible to repair in an accident, could you easily replace it? If it would cause financial hardship for you to lose the car like this, it may be worth considering collision insurance and comprehensive coverage. Collision insurance covers damage to your car if you hit something. Comprehensive covers the vehicle from losses such as fire and theft.
How Much Liability Insurance Do You Need?
One of the ways some companies offer very low-cost auto insurance is by providing you with just the state minimum requirement. However, this is a big risk. A simple accident can cause significantly more damage than this basic policy can cover. In an accident, the lowest car insurance may not cover all of the losses you need it to. This means you may have to pay out of pocket for it.

Is cheap car insurance a good thing? It can be if you do not have a lot of value in the vehicle. However, a customized auto insurance policy is best. Work with one of our agents to obtain one.

AUTO INSURANCE MYTH – COLOR DETERMINES THE PRICE OF AUTO INSURANCE

It doesn’t matter if your car is red, green, or purple. What does matter is the type of car you select. Before you buy a new or used car, check into insurance costs. Auto insurance premiums are based on make, model, body type, engine size, the age of the vehicle and the age, driving record and credit history of the driver. Premiums are also based, in part, on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices.
For years there has been a notion that color plays a significant part in calculating insurance premium costs, many people believe that red cars cost more to insure because they are linked to aggressive driving or speeding. The fact is, insurers have no interest in the color of a car, but they are interested in knowing if you have had any previous car accidents, the number of miles you drive annually and where you live.
When purchasing car insurance, it’s important to understand the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? A good place to start is by dispelling some common myths about auto insurance during a visit to our office.

Do You Car Pool?
Liability Insurance Exclusion
Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions.
Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental).
There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements.
Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home.

Insurance policies can provide coverage for both cars and drivers, but the specific details can vary depending on the type of insurance and the terms of the policy.
Auto insurance typically offers protection for both the car and the driver in different ways:

Car Protection: Most auto insurance policies include coverage for the physical damage to the insured vehicle. This coverage is known as "comprehensive and collision coverage." It can help pay for repairs or replacement of the car if it is damaged or destroyed in an accident, regardless of who is at fault.
Liability Coverage: Auto insurance also includes liability coverage, which protects the driver in case they cause an accident and are legally responsible for injuries to other people or damage to their property. Liability coverage can help pay for medical expenses, property repairs, and legal fees if the driver is sued.
Personal Injury Protection (PIP): Some states or countries require drivers to have personal injury protection or no-fault insurance, which covers medical expenses and lost wages for the driver and their passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist Coverage: This coverage is designed to protect drivers if they are involved in an accident with a driver who does not have insurance or has insufficient coverage. It can help pay for medical expenses and damages in such situations.

It's important to note that the specific terms and coverage limits of insurance policies can vary widely, so it's crucial to carefully review the policy documents and consult with the insurance provider to understand the extent of coverage provided for both the car and the driver.

Auto Insurance to fit your budget & needs