Columbus, GA Car Insurance
Find the right car insurance policy for you.
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Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to TrustedChoice.com.
The 300,000 residents of Columbus own and operate thousands of vehicles. Occasionally, even the best drivers find themselves involved in accidents. The best way to protect your finances in such an incident is through a Columbus, GA car insurance policy.
There are a few ways to shop for a new auto insurance policy. Captive agents, who represent only one insurer, can only show you products from one company. On the other hand, a Trusted Choice® independent insurance agent can provide you with ethical advice and a variety of competitively-priced Columbus auto insurance quotes. Contact a local agent now for more information.
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Georgia Full Coverage Car Insurance Costs:
- National average cost per year: $1,311
- Georgia average cost per year: $1,519
- 14th most expensive premiums in the US
The most recent information available as of 2016 shows that Georgia average premium costs are $1,519, which is considerably above the national average. How much your policy actually costs, however, is dependent on several factors, including the value of your car, the ZIP code in which you live, your driving history, how much coverage you purchase and the amount of your deductible.
How Much Insurance Do I Need?
Your policy will need to conform to the minimum liability coverage requirements mandated by the state of Georgia. Penalties for driving without insurance consist of fines, license suspension, and even jail time if you are a repeat offender.
Georgia Car Insurance Requirements:
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: not required
- Minimum liability limits: 25/50/25
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.
Many drivers choose to purchase policies that go beyond mandatory liability coverage. You may prefer to protect the investment you have made in your vehicle by buying collision and comprehensive insurance. You may also choose higher policy limits or extra coverage to minimize your risks. A Trusted Choice agent can help you assess your coverage needs and can answer your questions about policy options.
Why Purchase Comprehensive Coverage?
If you take out a loan to purchase your car, your financial institution will likely require you to carry comprehensive coverage. Once the loan is paid off, this coverage becomes optional. If your vehicle is still worth a lot of money, comprehensive insurance is the best way to protect your investment.
Adding comprehensive coverage to your Columbus car insurance policy will provide you with compensation for loss or damage caused by fire, weather, falling objects, vandalism or theft.
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Car Thefts in Columbus, Georgia:
- National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
- Georgia number of vehicle thefts (per 1,000 registered vehicles) 3.83
Car thefts in Georgia exceed the national average, and Columbus has the highest rate of car theft in the state. The latest numbers show there were 1,174 reports of vehicle theft in this city. That equates to 5.84 thefts per 1,000 registered vehicles, which is nearly twice the national average.
Find a Columbus Car Insurance Policy for Your Needs
There are dozens of insurance companies that can sell you an auto policy. Comparison shopping is necessary in order to ensure that you are getting your policy at a competitive rate. However, the least expensive insurance is not necessarily the best. A Trusted Choice agent can help you make comparisons.
There are more than 22,000 member agencies in more than 27,000 locations nationwide, so it is easy to find an agent close to home. These agents have signed a pledge to provide customers with ethical advice and the utmost in customer service. Contact a Trusted Choice agent to receive more information and start comparing Columbus auto insurance quotes today.