Georgia Car Insurance Quotes

Georgia’s state laws indicate that the minimum requirements for liability insurance are $25,000 per person in an accident for a total of $50,000 per accident for bodily injuries and $25,000 for property damages.  These are the bare minimums that Georgia drivers must carry and it is always recommended to increase these amounts as a serious accident can have costs that exceed them fairly quickly.  There are certain exemptions to carrying auto insurance in Georgia, if a vehicle lease has been terminated, if the vehicle was repossessed, stolen, inoperable, stored or used seasonally for agricultural, you do not have to carry the insurance.
Your car insurance rates in Georgia are affected by several factors.  Number one will be your driving record as this shows proof of wether or not you’re a good driver.  Even one accident can affect your insurance rates, an increase of 20% could be expected.  In Georgia, being ticketed will also cause your rates to increase however if you’re going less than 14 miles per hour over the speed limit, the state will not report the violation to the insurance companies.  You will still receive the points on your license and have a fine to pay but your car insurance rates will not change.  Any DUI charge, street racing or reckless driving conviction will cause your Georgia car insurance rates to skyrocket as these behaviours indicate extremely unsafe driving habits.  After looking at your driving record, a car insurance company will look at your age,  your marital status and where you live.  Younger drivers as well as male drivers are considered more dangerous drivers and married people are considered to be more stable and responsible drivers.  Living in city areas will also increase your rates as there is more traffic and more cars on the road, increasing your risk of an accident.  Georgia is also in the top five for the most automobile thefts in the country.  The type of vehicle you drive will also increase your rates if it would be expensive to replace or if it is a commonly stolen vehicle.  However if it has airbags, anti-lock brakes or automatic seat belts, it could reduce your rates.  The other factors that have a bearing on your car insurance rates are your credit score, your occupation, the amount you drive your vehicle and your years of experience behind the wheel.  It’s good to know what factors will affect your rates so you’ll know if you’re receiving the best rates possible.