Having enough auto insurance is something every consumer and business should make a priority. If you operate a business in the state of Georgia, you need to know all about Georgia auto insurance agencies and the minimum auto insurance in Georgia.

If you or other employees use automobiles for business purposes, make sure to let the insurance company know. Your premiums may be higher, but if someone has a wreck while on company business and the Georgia insurance agency that covers the vehicle did not know that the car is for business purposes, it may reject the claim.

When purchasing auto insurance in Georgia, the key points to consider are:

1. Buying enough Georgia insurance coverage to meet your company’s needs
2. knowing where and how to compare rates and find car insurance in Georgia

Action Steps
The best contacts and resources to help you get it done

Purchase enough Georgia insurance coverage for your company's needs

The minimum auto insurance in Georgia is 25/50/25. This means that if an accident happens, the most the car insurance company pays for bodily injury liability to other passengers is $25,000 per injured person up to a total of $50,000 per accident. If property damage occurs, the limit is $25,000 per incident. Most businesses want at least 100/300/100 coverage plus collision and comprehensive insurance. Collision insurance covers damage to the policyholder's car in the event of a wreck; comprehensive insurance covers other non-wreck incidents (stolen car, broken window). You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies usually come in increments of $1,000,000. You should decide if the company will pay insurance costs for its employees (usually in the form of commercial insurance) or if the employees must find and pay for their own coverage.

I recommend: AutoInsure and Chase both have free umbrella insurance quotes.

Know where and how to compare rates and find car insurance in Georgia

Thanks to the Internet, it's easier than ever to get insurance quotes at the click of a mouse. Hosts of reputable companies now offer auto insurance quotes from a slew of providers when you fill out a single application. By inputting the specific needs of your business, you can get an 'apples to apples' comparison of the same insurance coverage from several different providers.

I recommend: eSurance, Insurance and Progressive have excellent user interfaces and solicit quotes from several companies. More importantly, you can immediately purchase coverage and print insurance cards. Although Progressive is an individual insurer, it also offers competitor's rates (which are sometimes cheaper) that you can immediately purchase.

Consider online insurance sites and traditional providers

With all the websites that promise to deliver insurance quotes from multiple companies with one click, it may be tempting to purchase auto insurance online. There's nothing wrong with this, but make sure you meet your company's needs by doing so. If you purchase insurance online from an unheard-of company and it goes bankrupt, you and your employees are out of luck. Also, never underestimate the importance of good customer service. Will online insurance agencies answer the phone readily, respond to your questions and take the time to explain your policies? If you have a strong need for personal customer service, a traditional, proven insurance provider-one that you can call or visit in person in addition to web-based contact-may be your best bet.

I recommend: Allstate, State Farm and Nationwide have been around for ages and are well known throughout the insurance industry for their longevity and customer service.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Network with others in your industry to find out what company they use for auto insurance in Georgia. The best recommendation for any company is through word-of-mouth.