Auto Insurance in Georgia
Protect yourself from financial loss in the event of an accident or other covered event.
Auto Insurance in Georgia
Do you have the right coverage?
Your car is probably one of your most used assets. Whether you’re driving it to work or handling daily errands, you rely on it. However, it’s also the most at-risk physical asset you have because of the sheer unpredictability of the roadways.
Insurance doesn’t just help protect you against unfortunate events, though. It’s also required by state law, and while you have options for the type of coverage you have, it is 100% required that you have a policy that meets minimum requirements.
When you invest in auto insurance in GA, you get the peace of mind that comes with knowing you’re covered if something unfortunate happens, but you’re also able to put all your worries to rest when it comes to avoiding legal problems.
Why You Need Auto Insurance in Georgia
Auto insurance is necessary to make sure you can repair your car and potentially buy a new one if something happens, but it’s also there to protect others. While you’re likely a safe driver, anything can happen.
As such, Georgia has a set of minimum requirements for insurance policies to meet for them to be considered valid for legal driving purposes.
Assuming you’re a standard driver without any special circumstances increasing your minimum requirements such as recovering your reputation after a DUI, Georgia uses the 25-50-25 rule.
This means that your insurance must, at a minimum, cover $25,000 for bodily injuries, $50,000 for every person involved in the accident, and $25,000 for property damages.
That’s simply the minimum coverage requirement. Policies can cover more, and other forms of damage, if you get a more robust and comprehensive policy.
This minimum requirement ensures that your insurance policy will cover the most likely situations on the roadways.
What Does Auto Insurance Cover?
- Liability Coverage: Liability coverage handles any of the damages that you’re liable for in an accident, but it doesn’t cover anything that you experience.
- Collision Coverage: This is the opposite of liability coverage for the most part. It insures you against the damages you receive in a collision.
- Comprehensive Coverage: Comprehensive coverage handles both liability and collision costs and other things.
- Medical Payments Coverage: Medical payments coverage provides help with medical bills that you or your passengers might acquire after an accident.
- Personal Injury Protection( PIP): PIP covers you and your family if you’re injured in someone else’s car, hit as a pedestrian, require medical attention after an accident, etc.
- Uninsured/ Underinsured Motorist: Unfortunately, not everyone abides by the law and gets insured. This type of insurance protects you when the other person doesn’t have the insurance to make getting compensation easy. Although, they’re not off the hook.
Customize Your Auto Insurance Policy
This might sound like a type of coverage that’s the same for everyone, but the truth is, every driver needs different coverage. Depending on whether you’re a commuter, a rideshare driver or frequent user, travel with your family, or are a student, you’ll benefit more or less from a variety of different coverage options.
At Chandler Insurance Group, we provide customizable insurance options to meet everyone’s needs, and we help you determine the right coverage for you.
Don’t forget to ask us about multi-car savings and bundle options if you have a family or otherwise need to insure multiple vehicles.
Commercial Auto Insurance Options
We don’t just cover normal civilian vehicles. You can also get coverage for your commercial fleet or single commercial vehicles or even recreational vehicles like RVs.
This is crucial for protecting your assets while they’re on the roadway and ensuring that you’re meeting all legal driving requirements, as well.
Low Cost, High-Quality Coverage Options
Chandler Insurance Group is an independent insurance agency. This allows us to get you the lowest priced insurance policies, but since we partner with the top-rated carriers, you’re able to access the high-quality insurance options that usually cost much more.
With Chandler, you get the highest quality insurance at a price that can’t be beat.
Let’s Get You on the Road with Confidence
Auto insurance isn’t just good to have. It’s required.
To make sure you get the auto insurance coverage that meets your needs and doesn’t break the bank, contact us now or ask for a free quote today, and let’s get you insured.