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In Georgia, the minimum auto insurance liability coverage limits set by the state are $25,000 for bodily injuries per person, $50,000 for each accident, and $25,000 for property damage, known as 25/50/25. Even though the comprehensive and collision coverages are not mandatory in Georgia, they should also be taken into consideration while planning for auto insurance. If you wish to lower the cost of your auto insurance, then you could obtain your life insurance and health insurance also from the same insurance company that you approach for auto insurance. This would help you in getting discounts up to 15% on your insurance premiums on all these coverages. This is the foremost option to obtain cheap Georgia insurance coverage.

The other factors that influence the premium rates are the type of car that you possess, the number of persons included in the policy coverage, their ages and driving history, and the types of coverages that you plan to purchase. A costly car and drivers between the ages of 18 and 25 would definitely result in a substantial hike in the premium rates. The installation of safety and security equipment such as seat belts, burglar alarms, anti-theft devices, etc. would impress the insurance company and lower rates would be offered. If any of the drivers included in the coverage had a bad driving history, they should be kept out of the coverage to obtain cheap Georgia insurance rates.

On an average, the auto insurance premium rates were about $779 in 2008, compared to $760 in 2007. The liability costs were $414, the collision rates were $374, and the comprehensive coverage costs were $166. In 2008, Georgia was ranked twenty-fourth in auto insurance premium rates in US. However, you would be able to get cheap Georgia insurance, if you compared the rates offered by the various auto insurance companies carefully.


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