Car Insurance in Dunwoody, GA

Anyone can find themselves in a motor vehicle crash. That is why car insurance is so beneficial. A good auto insurance policy can shield you from significant financial losses whether you are involved in a multi-vehicle collision on I-285, a fender-bender on Chamblee Dunwoody Road, or anything in between.

Independent agents are available to answer your insurance-related questions and help you find the best and most affordable car insurance in Dunwoody, GA. Contact an independent insurance agent near you to start comparing a selection of customized car insurance quotes from competing providers.

How Much Does Car Insurance Cost in Dunwoody, GA?

The average cost of car insurance in Georgia is higher than the national average. This makes shopping around for the best rate all the more beneficial.

• National average annual car insurance cost: $1,311
• Georgia's average annual car insurance cost: $1,519

Of course, an average rate can only give you an idea of what you might be expected to pay for your coverage. Car insurance costs can vary significantly from one driver to the next because insurance companies calculate rates according to several factors, such as:

• Your vehicle’s year, make, model, and value
• Your age, occupation, driving record, and credit score
• Details about other licensed drivers in your household
• Whether you own or rent your home
• The amount of liability insurance you want to buy
• The coverage options you wish to include in your policy
• The size of your deductible

Comparing customized quotes from multiple insurance carriers allows you to choose the policy that is offered at the best price. Independent insurance agents make comparison shopping easy.

Can I Earn Discounts on My Car Insurance in Dunwoody, GA?

One way you can save money on your auto insurance is by bundling. Bundling is when you buy your car insurance policy from the same insurance company that provides some of your other coverage, like homeowners insurance or renters insurance.

Some other potential car insurance discounts that you may encounter while shopping for coverage include:

• Multi-vehicle discounts
• Safe driver discounts
• Good student discounts
• Military discounts

When you work with an independent insurance agent, your agent will ensure that you receive any offered discounts to which you are entitled.

Is Car Insurance Required in Dunwoody, GA?

Georgia law requires all vehicle owners in Dunwoody to carry a car insurance policy that meets or exceeds the state’s minimum coverage requirements. This means you must have a policy that includes:

Liability coverage: This covers any injuries and property damage you cause to other people if you are at fault for an accident. Your policy must have at least:

• $25,000 worth of bodily injury liability coverage per person
• $50,000 worth of bodily injury liability coverage per accident
• $25,000 worth of property damage liability coverage per accident

Additionally, although it is not required by state law, if you are leasing or financing your vehicle, you may need to carry physical damage coverage.

Physical damage coverage: This is designed to pay for loss or damage to your own vehicle. It includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

Once you own your vehicle outright, collision and comprehensive coverage are optional.

What Else Does Car Insurance Cover in Dunwoody, GA?

In addition to the liability and physical damage coverage mentioned above, your car insurance company is likely to offer various coverage options like:

• Uninsured motorist insurance: This can cover your accrued expenses if you are involved in a collision caused by an uninsured, underinsured, or hit-and-run driver.
• Medical payments insurance: This helps to cover the cost of medical treatments if you or your passengers are injured in a collision, regardless of fault. It can cover the things your medical insurance does not, such as copays and deductibles.
• Towing and roadside assistance: This covers the cost of a service call if your vehicle becomes disabled while on the road, such as if you have a flat tire or your engine overheats.
• Windshield and glass replacement coverage: This can pay to replace cracked or broken safety glass in your car's windshield, windows, and sunroof.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event, but you still owe more for your car than it is worth.
• Rental reimbursement coverage: This can cover the cost of renting a car while having your own vehicle repaired following a covered event.

Be sure to review the details and prices of your coverage options to determine which may be a good value for you and your family.

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What Is the Penalty for Driving without Car Insurance in Dunwoody, GA?

Driving without insurance in Georgia is a misdemeanor. If caught doing so, you can face consequences that include:

• A misdemeanor conviction on your record
• A $25 fee for having had a lapse in coverage
• The suspension of your driving privileges for two to six months
• A reinstatement fee of $60 to $160 to get your driving privileges back
• Possible incarceration for up to one year
• The requirement to maintain an SR-22 for three years
• Higher car insurance rates

Despite these penalties, more than one out of ten motorists in this state are driving around in uninsured vehicles.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Georgia drivers who are uninsured: 12.0%

If your auto policy includes uninsured motorist insurance, you can rest assured that if you are in a collision caused by an uninsured driver and your car is damaged or you or your passengers are injured, you will not need to go through lengthy legal channels to obtain the coverage you need.

To learn more about this optional coverage, you can talk with an independent insurance agent.

How High Is the Auto Theft Rate in Dunwoody, GA?

The auto theft rate in Dunwoody is lower than the state and national average, but this does not mean that the risk does not exist. Residents of this city report only around 100 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Georgia's auto theft rate per 1,000 people: 2.35
• Dunwoody's auto theft rate per 1,000 people: 2.07

You should be aware that your auto insurance company can only reimburse you for a stolen vehicle if your policy includes comprehensive coverage.

If you are leasing or financing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to ask how much it would cost to add this optional coverage to your car insurance policy.

What Are the Best Car Insurance Companies in Dunwoody, Georgia?

Attributes that qualify an insurance company as a top choice include reliable coverage, affordable rates, rapid claims processing, and responsive customer service.

Independent insurance agents in Dunwoody have partnerships with some of the best car insurance companies in Georgia. This lets you be sure that any policies your agent recommends are offered by companies you can rely on if you ever need to file a claim.

How Can an Independent Agent in Dunwoody Help Find the Best Car Insurance?

Independent insurance agents make it easy to find the best auto insurance coverage. These agents are available to explain your various coverage options, answer your coverage-related questions, and help you compare rates from a few competing providers.

It doesn’t cost anything to work with one of these knowledgeable insurance professionals. Find an independent insurance agent in or near Dunwoody to get more information and start comparing customized car insurance quotes.