Reader’s Question:

If I am from the Georgia, what should my insurance cover? How do I get cheaper deals for it?

George

Atlanta GA

Whatever state you are from, the best insurance to get should have a coverage that meets the requirements of the state. Auto insurance in Georgia should have a minimum liability of 10/20/10.

The minimum level coverage comprises of Bodily Injury liability (BI) and Property Damage (PD). BI covers for the injuries of other people, especially when you are at fault. This should cover the minimum amount to $10,000 per person or $20,000 per accident. PD covers for the expenses incurred from damaging properties as a result of the accident. It should be $10,000 dollars at a minimum.

Another coverage that is not mandatory but can be very helpful is what we call the PIP or personal injury protection. PIP covers for the expenses incurred for hospitalization, as well as the medical and funeral expenses of the people involved in the accident. This is one of the must-haves in obtaining insurance from this state since it follows a no-fault system.

You still can obtain comprehensive and collision coverage. However, it is also not mandated. However, it may come in handy in the future.

Here are few tips to get cheaper rates for your auto insurance in Georgia:

• Maintain a good credit standing.
• Be a defensive driver and avoid accidents as much as possible.
• Obtain driving improvement courses/training.
• Pay insurance in full.
• Increase the deductible amount to your personal injury insurance or your other coverage.

All of these things entitle you to a discount or lower rates. If you have excellent credit history, this means that you are responsible in paying your obligations. If you have excellent driving history, you become a low-risk driver, which means you are not a liability to the company. This goes the same for obtaining courses to improve your driving skills.