In order for you to choose the right Georgia auto insurance coverage you will need to understand the coverage and the policies more thoroughly than you may now. While there are many more details than could be included here, you can still learn the basics of Georgia auto insurance. This will help you get started with the information that you need in order to choose the right auto insurance policy.
The first thing that you need to know is that a certain minimum amount of insurance is required by law in Georgia. You must have liability coverage on the vehicle in order to legally drive it in the state. In addition, you will need to check with your auto loan lender to determine what type of insurance coverage is required while you owe on the loan.
Now, when it comes to the basics of Georgia auto insurance, there are four main parts to it that you need to know about. These include liability, collision, comprehensive, and extra coverage. Liability is designed to protect the other driver involved in the accident. If you are liable for the accident, then your insurance will have to pay. Collision covers any expense that has to do with an auto accident. Comprehensive will cover all types of damage to a vehicle that may not include an accident, like running into solid objects or hail damage. Finally, extra coverage would include such things as towing and roadside assistance.
These are the very basics of Georgia auto insurance. You will need to go into further details about each of these coverages to determine which of them you actually need on your vehicle and what limits or deductibles that you want to choose. With this basic information, you will be much better prepared to choose the right auto insurance policy.