Auto insurance premiums have been going up in recent years. Since many auto owners are unaware of their insurance policies or they are too complicated, the insurance agents can charge them for coverages that they do not need. Knowing how much you are paying and how much Atlanta Auto Insurance is necessary for you to save some money on your policy.
Georgia requires minimum liability coverage for all drivers. The required minimum for Atlanta Auto Insurance is $25,000 for Property Damage Liability Coverage and $25,000 for Bodily Liability Coverage per insured person. This is the legal minimum required by the law. Of course you can purchase more insurance than this, but this is the absolute minimum required. The more coverage that you want, the higher the premiums, but you want to be safe than sorry later on, you might have high out of pocket expenses.
One optional insurance coverage is uninsured motorist coverage, when an accident is cause by uninsured driver. This coverage is not required by the law, but it is highly recommended just in case you are unlucky by having an accident with uninsured motorist. This coverage comes in increments of $25,000 and caps at $500,000. Again, the higher the amounts of coverage the higher the cost of premiums.
Deductibles are your out of pocket expenses that you are liable for before the insurance take affect and pay the rest of the expenses. The minimum is $50 and can go high as $1,250. Depending on your financial situation you can get the minimum which will be higher premium or the maximum amount which will have lower premium, but you are responsible for money out of pocket.
Another option is getting a roadside assistance. This is not needed in most cases, but if you need towing or have flat tire it can come in handy. This too is not required by the law, but since the increase in premiums is minimal it is recommended.
Lowering the price on your Atlanta auto insurance is also an option. Ask your agent about discounts available to you. These can include adding security features to your vehicle, taking driving classes, and avoiding accidents. Choose the features and discounts that are right for you to get a policy customized to your unique situation.
Georgia requires minimum liability coverage for all drivers. The required minimum for Atlanta Auto Insurance is $25,000 for Property Damage Liability Coverage and $25,000 for Bodily Liability Coverage per insured person. This is the legal minimum required by the law. Of course you can purchase more insurance than this, but this is the absolute minimum required. The more coverage that you want, the higher the premiums, but you want to be safe than sorry later on, you might have high out of pocket expenses.
One optional insurance coverage is uninsured motorist coverage, when an accident is cause by uninsured driver. This coverage is not required by the law, but it is highly recommended just in case you are unlucky by having an accident with uninsured motorist. This coverage comes in increments of $25,000 and caps at $500,000. Again, the higher the amounts of coverage the higher the cost of premiums.
Deductibles are your out of pocket expenses that you are liable for before the insurance take affect and pay the rest of the expenses. The minimum is $50 and can go high as $1,250. Depending on your financial situation you can get the minimum which will be higher premium or the maximum amount which will have lower premium, but you are responsible for money out of pocket.
Another option is getting a roadside assistance. This is not needed in most cases, but if you need towing or have flat tire it can come in handy. This too is not required by the law, but since the increase in premiums is minimal it is recommended.
Lowering the price on your Atlanta auto insurance is also an option. Ask your agent about discounts available to you. These can include adding security features to your vehicle, taking driving classes, and avoiding accidents. Choose the features and discounts that are right for you to get a policy customized to your unique situation.
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