What insurance do I need when buying a car?

Before you drive a car off the lot in Georgia, you need at least the state-minimum auto liability coverage: 25,000 per person for bodily injury, 50,000 per accident, and 25,000 for property damage. If you are financing or leasing, the lender will require collision and comprehensive too, and often gap coverage to bridge the gap between what you owe and what the car is worth in a total loss. Most carriers can bind coverage same-day so you can drive home insured. Three coverage decisions to make: liability limits (state minimum rarely makes sense, 100/300/100 or higher is more typical), collision and comprehensive deductibles (typically 500 or 1,000 dollars), and whether to add gap if you are financing more than 80 percent of the purchase. Loop us in before you sign anything so we can quote across multiple carriers and have the binder ready when you sign.