Do I have to pay for an online quote?
No, the quotes are free
. The quote provides an estimate based on the information that you provided us that gives you a precise description of what's available as far as coverages are. So, it is not a statement of a contract. All coverages are subject to policy provisions and applicable endorsements. If you would like to change them, however, coverages, availability, and the minimum coverage limits vary by state. Learn more
.Back to TopIs the receipt the same thing as proof of insurance?
As funny as that seems, the receipt is not the same thing as proof of insurance. It's simply a confirmation page and after we have received your payment, you will be redirected to a new page that has both your proof of insurance -- which will be a binder until it gets updated into the system -- and also a receipt as a confirmation that you purchased a policy. Learn more
.Back to TopIs auto insurance required?
Auto insurance is required in forty-seven states they require vehicles to have some level of insurance coverage before they can even hit the road. Failure to have insurance can lead to pay a fine fine and/or jail time, not to mention suspension or revocation of your driver’s license. In most of those states, the minimum required coverage is liability coverage. To cover damage and injuries you may cause though, a handful of states require additional coverage, such as collision and comprehensive. But those are only in a hand full of states. The minimum requirement for auto insurance is liability coverage typically speaking, depending on your state. Learn more
.Back to TopDo I need auto insurance in Georgia?
Back to TopWhy do auto insurance premiums increase?Auto insurance premiums may rise due to a variety of factors. If you receive multiple traffic tickets, a DUI or cause a wreck, your premiums are likely to increase. They can also increase if you add a teen driver or an expensive car to your policy. Other reasons are out of your control, such as the frequency of car crashes in your area.Back to TopWhat is the average cost for car insuance for a year (by location)?
|Georgia, like most states, requires drivers to carry a certain amount of liability insurance in order to drive legally on the road. The minimum requirements in Georgia are: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. These liability coverages help cover the other person if you cause an accident, but you’ll want more coverage to protect yourself in an accident, in case of environmental damage to your car (fire, vandalism, theft, etc.) or in case you have an accident with an uninsured driver.
Back to TopWhat does auto insurance cover?
|ATL-Buford HWY: $1,894, ATL-Pryor Road: $1,090, Cartersville: $2,668, College Park: $1,923, Decatur: $1,595, Douglasville: $1,642, Jonesboro: $1,537, Lawrenceville/Snellville: $1,667, Macon: $1,640, Marietta: $1,407-$3,020.40, Norcross-Tucker: $1,497, Smyrna: $1,383, Stockbridge: $3,111
Back to TopDo I need full coverage?
Back to TopWhy is auto insurance so expensive?
|A general auto insurance policy will include: Comprehensive coverage:Comprehensive coverage provides compensation for accidents that don’t involve collision. This includes environmental damage such as hail as well as vandalism and theft. Collision coverage:Collision coverage provides compensation for accidents involving collision with another vehicle or object. Bodily injury liability:Bodily injury liability provides compensation to the other driver and their passengers if you cause an accident. Property damage liability:Property damage liability provides compensation if you damage someone else’s property while driving your vehicle. Personal injury protection:Personal injury protection provides medical compensation for you and your passengers in case of an accident no matter who is at fault. Uninsured/underinsured motorist coverage:Uninsured motorist coverage provides compensation if you’re in an accident with someone who doesn’t have insurance or doesn’t carry enough coverage.
Back to TopHow does auto insurance work?
|Many factors affect the cost of auto insurance. Auto insurance premiums vary per state, and certain parts of Georgia are unfortunately on the high side of car insurance premiums. Auto insurance rates primarily concern the likelihood of the insured filing a claim. Areas that have higher crime rates or more annual car wrecks tend to charge more for auto insurance. Georgia has a high rate of car crashes a year and its many highways pose a high risk for drivers and insurers.
When you have a wreck, you file a claim with the insurance company you have a policy with. They assess the damage and, if the accident is covered under your policy, the insurance agency offers compensation to pay for the damages or medical expenses as necessary.Back to TopWhen should you get auto insurance?
Before you pick up the keys, you should purchase auto insurance. Whether it’s a new car or a used car, you’ll want to be covered as soon as you get behind the wheel.Back to TopWhy is auto insurance important?
Drivers face many perils. If you drive uninsured, you’re liable to legal action. If you don’t have enough coverage, you could be paying expensive medical or repair bills out of pocket.Back to TopWhat affects my car insurance rates?
Many factors influence how much you pay for car insurance. This includes your age, gender, credit score, driving record and more.Back to TopWhen should I change my auto insurance?
Auto insurance rates tend to fluctuate, as do your auto insurance needs. If you make any life changes, switch cars or become unhappy with the amount you’re paying in premiums, speak with an insurance agent about adjusting your policy.Back to TopWhy is car insurance expensive in Georgia?
Georgia has a slightly higher car insurance premium average than the U.S. average. This is in part due to the state and partially due to the crime rate and amount of car accidents. Drivers in Georgia are more likely to file a car insurance claim, which makes car insurance premiums rise.Back to TopDoes credit affect car insurance?
Most of the time, insurance companies do consider credit when quoting a price for auto insurance.Back to TopWhat auto insurance coverage should I have?
Besides carrying the state required amount of liability auto insurance, you should carry insurance to protect you and your passengers. This typically includes comprehensive, collision and personal injury protection coverage.Back to TopCan I get cheaper car insurance if I have a bad record?
Even if you have a bad driving record, there are some ways you can lower your car insurance, though it will typically still be more expensive than the average policy. Talk to an insurance agent today about ways you can save.Back to TopAre older cars cheaper to insure?
Typically, older cars are cheaper to insure, but this also depends on the type of car. “Classic” cars that have expensive parts may cost more to insure.Back to TopCan I insure my car for more than it's worth?
You can insure a car beyond its worth, but it may result in higher premiums.Back to TopDoes car insurance cover theft and vandalism?
Yes, comprehensive coverage includes theft and vandalism protection.Back to TopCan I get car insurance with bad credit?
You can still get car insurance if you have bad credit, but your premiums may be higher. Peachstate insures standard and nonstandard drivers. And we work hard to make sure you get every discount regardless of credit score.Back to TopWhat are some of the most common reasons for a car accident?Distracted Driving
. This may come as a surprise, but cellphones are not the number one factor in distracted driving. It’s actually food, which accounts for 80% of all car crashes. People run through a drive thru and attempt to eat while they drive and are thus distracted from the dangers of the road. This doesn’t mean cellphones aren’t a problem, however. Cell phone usage while driving causes around 1.6 million crashes every year. Drunk Driving
. In 2018, Georgia had 21,784 DUI convictions. It’s now easier to find a ride home when drunk or tipsy with services like Uber and Lyft available, but drunk driving is still a huge problem nationwide. One person dies nearly every 48 minutes due to drunk driving. Speeding
. Running late to work is a common reason why people speed. Unfortunately, speeding can lead to a loss of control of the vehicle or the inability to stop in time. Georgia is an at-fault state, meaning that if you are the cause of an accident, you’re responsible for paying the damages. That’s why it’s important to have the best car insurance to keep you covered. Bad Weather
. Rain, hail and floods make seeing the road and controlling the vehicle even harder. Unfortunately, all these environmental factors are frequent in Georgia.Back to Top