vehicles-parked-inside-elevated-parking-lot-63294 (3)Georgia drivers will find that they have a variety of options when it comes to choosing an auto insurance policy to protect both themselves and their vehicles. At Hansard Insurance Agency, we work with the nation’s top insurance carriers to ensure you are getting a quality auto insurance policy that offers the protection you need at a great rate.

Whether you are in Cumming, Dawsonville, Forsyth County, or Dawson County, every motorist in Georgia is financially responsible for damages or injuries they might cause in a car accident. To register your vehicle, you will need to provide proof that you auto insurance policy meets the coverage requirements. Georgia insurance laws requires that each driver carry a certain level of liability insurance. Both bodily injury liability and property damage liability are required on every policy. If you are responsible for an accident, these two types of liability insurance will cover damages or injuries to others and their property.

Georgia Minimum Auto Insurance Requirements

  • Bodily Injury Liability: $25,000 per person and $50,000 for multiple people in an accident.
  • Property Damage Liability: $25,000 for a single incident.

Auto insurance required by law is designed to protect others and their property. Optional coverage is available to protect the investment you have made in your vehicle and to cover various accident-related expenses. These coverages can include comprehensive coverage, collision coverage, loan/lease gap coverage, rental car coverage, uninsured/underinsured motorist coverage, roadside assistance/towing coverage, and more. Collision coverage and comprehensive coverage are the most common additions to any auto insurance policy.

Collision coverage will offer protection for your vehicle if you are in an accident. Your bank or lender will most likely require that you carry collision coverage if you have financed or leased your vehicle. As your vehicle ages, collision coverage may become less valuable. For some drivers, it may make sense to discontinue collision coverage on older vehicles that have depreciated significantly.

Comprehensive coverage on the other hand, protects you from damaged caused by something other than a collision. The types of damage that are covered under comprehensive coverage would include things such as vandalism, fire, theft, natural disaster, and similar non-collision related damage.

Whether you are a first-time driver or just shopping for a better rate on your current Georgia auto insurance policy, Hansard Insurance Agency is here to help you find the policy that meets your exact needs. If you are in Cumming, Dawsonville, Forsyth County, or Dawson County, contact us today for a free quote or for more information on our auto insurance options.