Auto Insurance in Georgia

Every driver in Georgia is required to carry a valid driver's license and minimum liability coverage. Driving on Georgia roads without the minimum property damage liability and bodily injury liability can get you into trouble. Therefore, make sure you visit us at Whit Blanchard insurance Group in Augusta, GA, and enquire about auto insurance coverage before hitting the roads.

How does auto insurance work?

Auto insurance is a contract between you and your insurance provider with a promise to protect you against financial losses in case of accidents, theft, or any other peril. To get all that privilege, you need to pay monthly premiums based on the agreement with your insurance company. In case of an accident, you can file a claim with your insurance provider, who will reimburse you based on your coverage limits.

What does auto insurance cover?

Your auto insurance covers you and your entire family, who are listed in your coverage. The coverages protect you whether you are parking your car, driving, or storing it. However, if you are using your vehicle for commercial purposes in Georgia, your auto insurance may not cover the losses. Here is what a basic auto policy covers:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist

How are rates determined?

Have you ever wondered why people pay different insurance rates? Yes, it is never a one-size-fits-all kind of business because clearly, we are all not the same. We don't live in the same neighborhood, drive the same car, or have the same transport needs. While different companies use different techniques for calculating premiums, they all use the same factors. Some of these factors include:

  • Your address
  • Your age, marital status, and driving record
  • The model of your car and year of manufacture
  • How you intend to use your vehicle
  • How often you will be using the car

The insurance buying process is no longer difficult to navigate. Things are much more straightforward. If you still need clarification about auto insurance in Augusta, GA, feel free to reach us at Whit Blanchard Insurance Group, and we will be happy to answer all your questions.