How Much Does It Cost to Drive in Georgia?

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The demand for used cars has increased tremendously over the past year. As a result, the cost of used vehicles have gone up 45 percent. That means if you’re a car buyer, you must keep in mind that vehicle ownership costs go beyond the listed price. However, this cost is not the same across the country. In fact, in many states, riders and motorists may have to spend thousands of dollars every year compared to others.

Let’s delve into the details to learn how much it costs to drive in Georgia.

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How a Hit-and-Run Can Affect Your Car Insurance Rates

Regardless of the state you live in, a hit-and-run is a serious matter. You might be charged with a crime or felony if a hit-and-run results in injury or death.  In states like Georgia, it’s a crime not to stop or return to provide your information, for instance. You might face the following penalties, depending on the severity of your infraction;

  • Property damage: Misdemeanor and a $300 to $1,000 fine per violation
  • Death: A felony charge including imprisonment of two to five years
  • Injury: A $300 to $1,000 fine and possible imprisonment for one year

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Why Are Auto Insurance Rates in Georgia Expensive?

If you live in Georgia, you’re probably aware that the state has significantly high rates for auto insurance. It’s because the state has accident-prone highways and routes with a considerably high percentage of car crashes.

Georgia insurance companies have the right to increase premiums without seeking approval from the insurance commissioner of the state. This is the reason auto insurance rates in Georgia are relatively higher than in other states.

You may have to pay around $1,660 annually for full insurance coverage or $690 for minimum coverage for your car in Georgia. The national average for full coverage is no more than $1,500 per year. As the insurance cost increases, the charges of premium insurance also go up.

Plus, insured drivers have to share rising insurance costs. This increases insurance rates whenever an insurer renews your policy, regardless of individual factors, such as location or driving record.

Here, we’ve listed some reasons explaining why auto insurance increases annually in Georgia.

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What Are The Penalties For Driving In Georgia Without Insurance?

As a driver you want to be aware of the motor vehicle laws and regulations across the country. Not doing so can leave you with hefty fines or even jail time. The state of Georgia places emphasis on the importance of car insurance, and doesn’t let motorists drive without it.

Let’s talk about the car insurance laws in Georgia and the penalties of not having the minimum coverage.

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There’s Certain Insurance Requirements To Follow if You Own a Motorcycle in Georgia

If you live in Georgia and own a motorcycle, you must have an insurance policy to operate as a rider. The city imposes regulations to help you face financial losses you may experience in the event of an accident or crash. Motorcycle insurance is the best way to get financial security in any crash-related injury.

In fact, this is a necessary legal investment one should never overlook. To establish your motorcycle insurance in Georgia, buying traditional insurance via a reliable auto insurance company is the most viable option. However, you need to know the components your motorcycle insurance covers in Georgia.

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A Speeding Ticket in Georgia Can Raise Your Car Insurance by 26%

What to do if you get a speeding ticket

According to the National Highway Traffic Safety, Georgia reported more than 9,378 fatalities in 2018 due to speeding. Note that speeding is typically a misdemeanor in the state of Georgia; however, there are strict rules and hefty fines involved for drivers who violate these rules.

Keep in mind that speeding tickets are something to be taken seriously as they impact your automobile insurance premium. That means if you get a ticket for speeding in Georgia, it will increase your car insurance cost by 26 percent on average.

Keep on reading to find out how speeding tickets impact your car insurance in Georgia.

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How Much Is Your Car Insurance if You Live in Georgia?

car insurance in atlanta

Did you know that drivers in Georgia pay approximately $1,982 for their car insurance and $755 for minimum coverage?

You may reduce this insurance coverage rate if you’re familiar with insurance quotes and where to find them. Saving a significant amount on vehicle insurance depends on where you buy it and how you utilize the best discounts.

Typically, the average insurance amount many drivers pay may vary from state to state. In Georgia, the average amount begins from $1,982 annually which is higher than the current national average $565.  For minimum car coverage, car drivers need to pay $1,674 per year.

It is worth mentioning that, your car insurance depends on many factors regardless of the state you live in.  If you’re a resident in Georgia and considering purchasing car insurance, here is what you need to know.

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Does Atlanta car insurance cover hail damage?

If you have comprehensive coverage, your car should be covered for hail damage.

If you have comprehensive coverage, your car should be covered for hail damage.

Ironically enough, the summer months are a common time for hail. Who would have thought that frozen chunks of ice could plummet from the sky when it’s supposed to be sweltering outside? If your car lives outside and doesn’t get parked in a garage you might wonder – does Atlanta car insurance cover hail damage? It’s a fair question. Hail can wreak havoc on an unsuspecting vehicle. We’ll explain what you need to know.

Does car insurance cover hail damage?

Well, it depends on what coverage you have for your vehicle.

Here’s why:

If you have comprehensive coverage, yes – you’re probably covered for hail. But if you only have liability coverage for your car, you would not be covered for hail damage to your car. That’s because your liability coverage doesn’t cover your car. It’s meant to protect other drivers on the road from you.

There are two portions of liability insurance:

Bodily injury liability – Covers the other driver’s medical bills and pain and suffering if you’re at fault in an accident.

Property damage liability – Covers the repairs or replacement of the other driver’s car if you’re at fault in an accident (as well as other property you might damage with your car.)

Basically, liability helps cover your legal obligation to the other driver if you’re at fault in an accident. It can help you cover your legal expenses if you get sued, too. It’s your financial safety net if you’re ever in an accident where you’re at fault.

It’s not, however, your financial safety net if your car gets damaged by something like hail.

But like we said, if you have comprehensive coverage, you’re generally covered for hail damage. Hail damage can get really expensive because it pummels your entire vehicle, but comprehensive coverage can help cushion the blow.

What is comprehensive coverage?

Comprehensive coverage can help repair or replace your car if it’s damaged by something other than a collision (there’s another coverage for that, which we’ll explain in a minute.)

Losses covered by comprehensive coverage typically include:

So, yes, if you have comprehensive coverage, you should be covered for that unfortunate hail damage and you won’t have to cover all the damage on your own. You’ll probably be out your deductible, though, but better than having to foot the whole bill, right?

Now, we mentioned coverage that can help you repair your car if you’re in an accident. That coverage is collision coverage (appropriately named, right?) It goes hand-in-hand with comprehensive coverage.

What is collision coverage?

Collision coverage is the insurance that can help you repair or replace your car if it’s damaged in a wreck (or if you run into something.) Since liability coverage doesn’t protect your car, it won’t pay to repair or replace your car if you’re at fault in an accident. That’s why collision coverage is so important. It’s a way for you to protect your investment in your car.

Am I required to have collision or comprehensive coverage?

If you have a car payment, your lender may require you to carry both collision and comprehensive coverage. They want to protect their investment in the vehicle. That car is valuable, after all! And things like hail damage aren’t cheap. Make sure that you have the insurance your lender requires.

So, if you have comprehensive coverage, yes – you should be covered for hail damage. But if you only have liability coverage…unfortunately, you’re probably not covered.

Get started with Atlanta car insurance quotes by giving us a call, filling out our online form, or messaging us on LiveChat.

Is my car totaled or can I repair it?

totaled or can i repair

totaled or can i repair

Whether you’re in a really bad car accident or a random act (like a tree falling) damages your car, it can be tough to know whether your vehicle is now a lost cause or if a body shop can bring your car back to life. Many people think that a “totaled” car simply means that the airbag deployed, but that’s not necessarily true. Here’s how to truly tell if your car is totaled or repairable, and how your car insurance handles either situation.

Is my car totaled or repairable?

The technical definition of a totaled car is a vehicle that has a repair cost that is close to or greater than the fair market value of that car. A car’s fair market value is the amount you would be able to sell the car for the day before the accident or damaging incident.

For example, let’s say you were able to sell your car at $8,000 the day before the accident, and the cost of repairs from the accident total $6,000. The fair market value of your car would be $8,000, but because the repair costs are so close to the market value, your vehicle could be considered “totaled.”

Will my auto insurance help cover repairing or replacing my car after it is totaled?

Your auto insurance can only help you repair or replace your vehicle if you have the right coverage. If you’ve opted for only the minimum car insurance requirement for Georgia, you may be out of luck. The state minimum coverage is only built to handle your legal obligation to the other driver if you’re found to be at fault in an accident. It won’t help you cover the damages or injuries that you have.

So, if your car is damaged by an accident, your only hope to have your costs covered would be if the other driver was at fault AND they have the proper insurance to fully cover the repair or fair market value costs of your car.

However, if you have collision and comprehensive coverage, you may not have to depend on the other driver’s insurance  – which can be especially good news if you’re dealing with an uninsured driver. The type of coverage that can handle the costs depends on the type of incident, though.

Collison vs. Comprehensive car insurance

If you’re in a car accident that damages or totals your vehicle, collision coverage is the part of your policy that can help you.

Comprehensive coverage is the part of your policy that can help you cover repairs or vehicle replacement if almost anything else happens. Comprehensive coverage can usually help you cover incidents like:

Whether you’ve been in a car accident or not, though, to have your car repaired, you’ll have to pay your deductible before your insurance pays for the rest. This means that if you have a $500 auto insurance deductible and the cost to repair your car is $6,000, you would have to pay $500 of the repair bill and your insurance would cover the remaining $5,500.

Keep in mind that your insurance company will do their own evaluation of the repair costs and fair market value of your car. So, it’s important to also get second opinions and do your own research on the repair costs and market value of your vehicle.

Can I debate the fair market value of my car?

There are times where an auto insurance company may price a repair at a higher rate or assign a lower market value to your car than it was actually worth. This is because car insurance companies use certain software programs to estimate repair costs and car values.

These programs may not search as widely as you can for the best prices. So, your carrier may price your repairs closer to your car’s fair market value. They may also assign a lower market value to your car so it’s closer to a reasonable repair cost. In either case, the insurance company could end up totaling out your car when it’s not necessary and more expensive for you to get a new car.

For example, let’s say that your insurance company says it will be $6,000 to repair your car after an accident. Then, they say that the fair market value for your car was $7,000. However, Kelley Blue Book or a used car lot actually values your vehicle at $10,000 because they took other factors into account that contribute to the true value of your vehicle.

If you completely relied on the insurance company’s software, they would probably total out your car and may only pay you $7,000. So, you would have to pay an additional $3,000 out of pocket to get a similar car to the one you had.

How to prove the fair market value of your car

Using our example, if you were able to bring your claims adjuster proof that the fair market value for your car was actually $10,000, you may then only have to pay $500 out of pocket for the repair. Then, the insurance company would pay the remaining $5,500. That way, you would only have to spend $500 instead of $3,000 in the long run.

So, if your insurance wants to total out your vehicle, make sure that you’ve done your research by:

  • Looking up prices for comparable vehicles in the area
  • Checking online resources for the value of your vehicle and for the pricing of your repairs
  • Going to a used car lot for a written appraisal of your vehicle
  • Getting prices from multiple body shops (They may be able to repair your car for less than the insurance company quoted you for.)

Get quotes for the car insurance you need.

It can be scary and overwhelming when you’re handling the aftermath of an accident. It can be even more challenging if you don’t have the right coverage. That’s why our insurance experts are here to help. We use our expertise to get you quotes on the best car insurance for your specific situation and the risks you may face – for great rates! Don’t miss out on getting cheaper rates for the car insurance you deserve. Fill out our online form, give our experts a call, or click the chat bubble in the bottom right-hand corner to connect with an agent today.

Am I covered by insurance if my garage burns down with my car in it?

What happens if your garage burns down?

What happens if your garage burns down?

Sometimes understanding what your insurance covers is cut and dry. If your house is damaged by a hailstorm, your home insurance could help you cover the damage. If you hit a deer with your car, your car insurance could cover the damage. However, sometimes the line between what your home insurance covers and what your car insurance covers gets a little blurry. For instance, which insurance plan covers your car if your house catches fire and the fire spreads to your garage – a garage where you expected your car to sit, safe and sound? Here’s the deal.

Will my home insurance cover my car if my garage burns down?

Well, the fire did start in your home and then spread to another, attached part of your home, right? However, just because your car was sitting under that attached part of your home doesn’t mean your home insurance covers the damages to the vehicle.

Your home insurance is only built to handle the damages to the home itself. Actually most homeowners’ policies will say outright that they don’t cover vehicles. So, while your home insurance can help you cover the costs of rebuilding your home and the garage that housed your car, it most likely won’t help you cover replacing the vehicle itself. But it’s important to read your policy carefully to see what it says about this sort of situation.

Will my car insurance cover my vehicle if my garage burns down?

Well, it depends.

If you have the right auto insurance, it can help you cover the damages to your vehicle. However, the “right” coverage doesn’t necessarily mean the minimum amount of coverage you’re required to have.

The state of Georgia only requires you to have bodily injury liability and property damage liability for your car insurance. These coverages are only to cover your legal duty to another driver if you’re at fault in an accident. So, if you only have the minimum requirement for auto insurance, you’ll have to foot the bill when it comes to repairing your car, whether it’s damaged by an accident or in a fire.

So, what is the “right” insurance coverage to help cover your car in a fire? Comprehensive coverage.

Comprehensive car insurance coverage can help you cover damages to your car due to:

If you’re worried that you only have the state minimum insurance requirement, you may still be in luck. Although the state of Georgia doesn’t require you to have comprehensive coverage, your car loan company may. After all, your car is also their investment.

However, you’ll still want to look at your car insurance declarations page to know for sure that you have the comprehensive coverage you need and that you have a high enough limit to cover your car.

There’s still one small issue, though. Comprehensive coverage still doesn’t cover the damage done to your car in an accident. So, what does?

Collision & comprehensive coverage go hand in hand.

Collision coverage is going to be the saving grace in your car insurance policy if you’re in an accident. It’s the part of your auto insurance that can help you cover the damages to your car if you collide with something, like a tree or another car.

Usually, collision coverage comes with comprehensive coverage, for good reason. Think of it like this: if collision coverage is what covers your car hitting something, comprehensive coverage can help you cover things that hit your car. So, having both types of coverages are key to making sure your car is completely protected.

So, to answer the overall question: If your garage burns down with your car in it, your auto insurance plan would be the one to help you cover the costs of replacing the vehicle, but only if you have comprehensive coverage. As far as the garage itself, that would be a job for your home insurance to help you with.

An easy way to save money on both home and auto insurance is to fill out our online form! You’ll get to talk to an insurance expert who knows exactly how to get the rates and coverage you need. To start getting free, customized quotes, just give us a call, fill out our online form, or click the chat bubble in the bottom right-hand corner.