Auto Insurance - Georgia
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Like most states, Georgia requires most of its 7.1 million licensed drivers to carry insurance. The state’s 8.4 million registered vehicles all need coverage. However, the trick is that everyone needs a unique policy, and some people have to use non-standard auto coverage. Sometimes, you simply have to invest in this type of policy even though it is usually more expensive than a standard policy.
Call your neighborhood Freedom Insurance agent at 478-784-1885 whenever you need help obtaining car insurance. We will know if you need non-standard coverage, and we’ll make sure you get it.
What is non-standard auto insurance?
Auto insurers want to know a policy applicant’s likelihood of having to pay on the driver’s behalf. The higher the insurer’s likelihood of having to pay a claim, the riskier the driver is to insure. Insurers will have to make a much bigger investment in them than in other drivers. As a result, high-risk drivers, might only be able to qualify for a non-standard policy. That’s why non-standard auto insurance is sometimes called high-risk car insurance.
How do I know if I need a non-standard insurance policy?
All in all, if you have a higher risk of causing a problem while driving, then you might get a non-standard auto policy. Different insurers use different factors to determine whether a driver falls into a high-risk pool. Drivers in this category might include:
- DUI recipients
- SR-22 certificate carriers
- Drivers with multiple tickets
- Drivers who are at-fault for multiple accidents
- Owners of vehicles with salvage titles
- Inexperienced drivers
- Older or younger drivers
What does non-standard car insurance cover?
Non-Standard policies will usually contain familiar coverage, such as:
- Liability insurance that pays for the harm you cause others behind the wheel.
- Collision insurance to pay for your car’s damage after a wreck.
- Comprehensive insurance covers car damage from situations like fire, theft and weather.
- Uninsured/underinsured coverage pays you in case another driver doesn’t have liability insurance to compensate you for your driving losses.
- Medical payments insurance pays for your injury costs after an accident.
However, where you will see differences is in pricing. Because you have been classified as one of the highest-risk drivers, your insurer will likely have to charge you more money for your policy.
How can I save on non-standard car insurance?
One incentive you have to avoid car wrecks and driving charges is that by doing so, you can save yourself a lot of money on your rates, and potentially avoid a non-standard driver designation. Still, even if you qualify as a non-standard driver, you shouldn’t have to pay exorbitant prices for coverage.
Your agent can help you maximize savings on your policy through numerous practical steps:
- We adjust deductibles and policy limits to help rates balance.
- Non-standard drivers usually still qualify for discounts, such as through good-student, automatic payment and automatic policy discounts.
- Each of our insurance partners offer unique rates, so we can compare multiple policies to help you find the one that offers you the most-appropriate price.
You don’t have to go about getting your car insurance without the help of Freedom Insurance. Our job is to make sure that all Georgia drivers have coverage, and if you need a non-standard policy, you can get it affordably. Don’t hesitate to call us at 478-784-1885 or request your online quote now.
Don't forget, we also offer Renters Insurance and Motorcycle Insurance throughout Georgia.