Atlanta Auto Insurance
April 25, 2012

Atlanta Auto Insurance

Why do you need auto insurance?

It’s really all about protecting yourself financially.

  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

State of Georgia Insurance Requirements

  • In the state of Georgia, all drivers must carry accident liability insurance for all vehicles they own.
  • In the state of Georgia, the minimum amounts that you may carry in order to satisfy the law are $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people, and $25,000 per accident for property damage.
  • In the state of Georgia, the law allows certain exemptions from carrying auto insurance. These exemptions include:
    • Owner moved to another state or the ownership was transferred out of state
    • Vehicle lease was terminated
    • Vehicle was repossessed, stolen, or not driven because it was inoperable
    • Vehicle was sold or the ownership transferred
    • Vehicle was stored or used seasonally for agricultural purposes
    • Vehicle was wrecked, salvaged, or junked


What is the Minimum Liability Coverage?

If you buy automobile insurance in the state of Georgia, your policy must include minimum liability coverage of:

Bodily injury  25,000 per person 
Bodily injury to two or more people $50,000 per accident
Property damage $25,000 per accident


Guardian Insurance

For more than a decade, we at Guardian Insurance have been offering our customers tailored polices with the best coverage at the most affordable price. We service several areas such as the the Metro Atlanta area of Georgia. 

Our relationship with dozens of insurance companies allows us to shop for the best value. Some customers have perfect driving records and are looking for a standard company, possibly one that combines both auto and homeowner’s policies for a significant discount.  Other customers may have had recent tickets or accidents. They’re left looking for insurance that is merely more affordable or a policy that only has the state’s minimum requirements. At Guardian Insurance it doesn’t matter…we welcome the challenge of finding solutions to your insurance problems. Call us today for an Atlanta auto insurance quote at (678) 541-0888.

Tags: Atlanta, auto, car, Georgia, insurance, state requirements

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