For drivers in Georgia, finding the right full coverage car insurance after an accident can be a daunting task. It's essential to select a plan that not only meets the legal requirements but also provides adequate protection to give you peace of mind on the road. Below, we explore some of the best full coverage car insurance plans available for drivers with accidents on their records.
1. State Farm
State Farm is well-known for its robust customer service and competitive rates. They offer customizable full coverage plans that include liability, collision, and comprehensive coverage. For drivers with accidents, State Farm provides a variety of discounts, such as safe driving discounts after completing a defensive driving course, which can help lower your premium.
2. Geico
Geico is recognized for its budget-friendly policies and extensive coverage options. Their full coverage car insurance can help mitigate the financial impact of an accident, regardless of fault. Geico also offers accident forgiveness plans, which can be particularly beneficial for drivers who want to avoid a rate hike following their first accident.
3. Allstate
Allstate provides reliable coverage with a strong emphasis on personalized service. Their full coverage insurance includes options for roadside assistance and rental reimbursement, which are valuable for drivers recovering from an accident. Additionally, Allstate's “Safe Driving Bonus” rewards good driving behavior, potentially lowering your rates over time.
4. Progressive
Progressive is renowned for its innovative approach to car insurance, including their "Name Your Price" tool, which helps drivers find an affordable policy that meets their full coverage needs. For those with accidents on their record, Progressive offers various discounts, such as multi-policy savings if you bundle home and auto insurance.
5. Farmers Insurance
Farmers Insurance provides comprehensive coverage options tailored for drivers with blemished records. Their full coverage plans include liability, collision, and comprehensive insurance, along with extras such as custom parts coverage for modified vehicles. They also offer accident forgiveness for qualifying drivers to help keep premiums stable.
6. USAA
If you are a military member or veteran, USAA offers exceptional full coverage car insurance plans at competitive rates. They boast high customer satisfaction ratings and provide extensive coverage options tailored for unique needs. USAA also has a forgiveness program that may benefit those who have experienced an accident, helping to maintain affordable rates. Note that eligibility is exclusive to military families.
Factors to Consider When Choosing Insurance
When selecting a full coverage car insurance plan in Georgia, consider the following factors:
- Premium Costs: Evaluate how the cost of premiums fits into your budget, especially as a driver with prior accidents.
- Coverage Limits: Ensure that the coverage limits are adequate to protect your assets in the event of a serious accident.
- Discounts Available: Look for companies that offer discounts that you may qualify for, which can significantly reduce your overall costs.
- Customer Service: Strong customer support can make a big difference when you need assistance, so choose an insurer known for great service.
By understanding the various full coverage car insurance options available for drivers with accidents in Georgia, you can make an informed decision that ensures adequate protection and financial peace of mind. Make sure to compare quotes and coverage options from multiple insurers to find a plan that not only fits your needs but also your budget.
