| Unlike several states in the union, Georgia doesn't | | | | really only advisable to have a policy that includes |
| have a no-fault insurance law. This means that | | | | them if your car is just a few years old. If you |
| when an accident occurs, the insurance company | | | | are unsure ask yourself if the cost of the |
| of the person deemed responsible has to ante up | | | | coverage for a year or two is comparable to or |
| and cover all damages including property and | | | | less than what it would cost to realistically replace |
| injury costs. For this reason alone it's easy to see | | | | the car. |
| why having a solid car insurance policy in place is | | | | You should also inquire about whether a particular |
| so important. When you are looking for the best | | | | insurance company has a forgiveness policy. This |
| rates on car insurance in Georgia try not to trade | | | | typically applies to an accident and what it means |
| coverage for cost. | | | | is that if you have one accident that you are at |
| If you drive a vehicle that is more than a few | | | | fault for, your rates won't increase. This is actually |
| years old, you need to take something into | | | | an important issue as some insurance companies |
| consideration. Ask your agent or a car dealer | | | | will increase your premiums by hundreds of dollars |
| what the price would be to replace your exact | | | | a year after you've been responsible for just one |
| vehicle, make and model. If the cost is low, you | | | | collision. Ask any agents you contact for quotes |
| should consider foregoing collision and | | | | about their policy on this and if they do offer it, |
| comprehensive coverage on the car. The reason | | | | get it in writing when you purchase the insurance |
| is simple and that's because these types of | | | | so you have it to fall back on in the event you do |
| coverage cost a substantial amount of money. It's | | | | cause a collision down the road. |
