Georgia Insurance
Georgia Insurance Quotes
Georgia home insurance safeguards policyholders from pecuniary losses resulting from theft, damage, and other perils. A standard policy covers 1) the insured's home and personal belongings, 2) living expenses incurred when the insured is forced to move out of his/her damaged home due to repairs, and 3) negligence claims. It is recommended that homeowners take out coverage that is equivalent to 80 percent or more of their residence's replacement cost. Georgia insurance companies generally base the premium on a number of factors.
Consumers may lower their home insurance premiums in a number of ways including:
- Raising their deductible
- Buying more than one policy from the same carrier (multi-line discount usually amounts to savings of 5 to 10%)
- Being a loyal customer (which typically earns a 5% discount for those who have insured with the same company for 3 to 5 years and a up to 10% in credit for homeowners who have done so for 6 years or more)
- Purchasing group coverage (i.e. the AARP)
- Applying for a senior citizen discount
Pursuant to Georgia insurance laws, drivers must take out a 25/50/25 car insurance coverage, which consists of the following minimum liability limits: $25,000 in bodily injury protection per individual up to a maximum of $50,000 per accident and $25,000 in property damage protection.
Consumers may save hundreds of dollars on their policies by availing themselves of free, convenient, and quick Georgia insurance quotes. The online quote request form requires applicants to enter their zip code and answer one or two questions. Prospective policyholders may obtain quotes on different types of insurance such as life insurance, professional liability insurance, and health insurance.