There are many coverage options to consider, and we take the time to show you the most affordable policies from the top-rated companies that do business in the state. All policies must meet the GA minimum liability requirements of $25,000 per person, $50,000 per accident and $25,000 of additional property damage. Collision and comprehensive deductibles are available between $0 (full coverage) and $2,500. If you drive a newer vehicle, increasing your deductibles can substantially reduce the premium. Also, placing "just liability" on older vehicles will result in large savings. You may also choose to keep fire and theft coverage only. Antique or classic vehicles can be covered with specialty policies.
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Of course, there is no cost or obligation, and we have more than 34 years of experience helping consumers save money on their insurance. All policies must meet the Georgia state minimum liability requirements and financed vehicles typically must have both collision and comprehensive coverage. Rental reimbursement, towing, and accidental death are optional riders available on most policies. Gap coverage is typically offered on newly-leased vehicles to protect in case of a total loss. After about three years, the GAP rider is not nearly as cost-effective. Additional discounts are also available if you insure multiple lines of business, take defensive-driving courses, or add or install a theft-deterrant device.
The Department of Driver Services can assist you with address changes and license renewals. If your teenager is getting ready to apply for a temporary permit, they can also help. Many free brochures, videos, and classes are offered to help young drivers. Personalized license plates can also be ordered for a higher fee, subject to approval. Abstracts of driving records can also be ordered, which are always helpful if you are contemplating changing carriers. Whether you live in Athens, Macon, Atlanta, Staesboro, or any other city, this service is available. Cities and towns in the area that we also service, include Winder, Lilburn, Monroe, Duluth, Lawrenceville, Toccoa, Conyers, Buford, and Sugar Hill.
Although prices can greatly vary depending on many factors, often, the carriers with the most competitive rates include Geico, Mercury, Liberty Mutual, Progressive, Nationwide, Encompass, and, Farmers, and Allstate. Additional companies have attractive Group plans for small employers where payroll-deduction is offered. Although our quotes are available 24/7 on our secure website, Agent offices can be found at W. Hancock Avenue, N. Thomas Street, Baxter Street, Prince Avenue, Hawthorne Avenue, Macon Highway, Commerce Road, Jefferson Road, and Mitchell Bridge Road.
The Georgia Department Of Insurance helps regulate carriers in the state, and also determines if proposed rate changes will be approved. Any safety or reliability concerns about auto insurance companies in the state can also be addressed by viewing recent reports. Verification of compliant liability coverage is handled by the BMV. Any imposed fees or fines are paid directly to the DMV. A life insurance locater service is also available to help consumers find lost policies.
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