Frequently asked questions
Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.
Douglasville is a beautiful city west of Atlanta with access to the major city’s downtown sights and eateries, with a population of 34,918. While Douglasville, Georgia has a lot of wonderful aspects to offer, the city also comes with its own set of perils on the road. Every Douglasville driver should be prepared in case of an accident, which is why Peachstate Insurance works to find clients cheap car insurance from reliable insurers.
Peachstate Insurance has been doing business in Western Georgia for over 30 years. The Douglasville office is easily reachable by phone, email or using the website.
Our agents are very familiar with the needs of those in West Georgia and love to save people money on their car insurance.In 2017, there were 1,440 fatal crashes on Georgia roadways. Distracted driving accounted for a large amount of those crashes. Safe driving is incredibly important, but it’s impossible to predict other drivers’ actions. 814 drivers were killed in 2017 due to drunk driving. When drivers survive, it can cost between $1,500-$5,000 for repairs depending on the damage. Most state patrol cars and local police cars are installed with automatic tag readers, which instantly notify the authorities if you are driving without insurance." or "Many state patrol cars and the local police have automatic tag readers installed to detect people driving without coverage."
What Does Auto Insurance Cover?
A general auto insurance policy covers:
• Comprehensive Coverage: This coverage helps when the vehicle is damaged due to an accident not involving a collision. This includes damage or loss due to fire, hail, theft and vandalism.
• Collision Coverage: Collision coverage helps when the vehicle is damaged due to a collision with another vehicle or object.
• Personal Injury Protection (PIP): PIP offers compensation for medical bills in case you or your passengers are injured in an accident.Bodily Injury Liability: If you cause a car accident, bodily injury liability helps pay the victim’s medical expenses.
• Property Damage Liability: This liability coverage helps if you cause property damage to someone else while operating the insured vehicle. In Georgia, you are required to have insurance at the following minimum limits.
• Bodily Injury Liability:
- $25,000 per person
- $50,000 for multiple people in an accident
• Property Damage Liability:
- $25,000 for one accident
____________________________________________
Peachstate works with standard and nonstandard drivers including those who need SR-22 insurance, and high risk car insurance for drivers without a license, a suspended or revoked license, drivers with a bad driving history and multiple accidents, drivers with lapses in coverage, DUIs, and new drivers to find cheap car insurance and the right amount of coverage.
Call us at (877) 997-2478 or visit us down the road today.
Office Phone:
770-947-6133
Fax:
770-947-6163
Address:
6968 Douglas Blvd., Ste 101-CDouglasville, GA 30135
Hours:
Mon-Fri: 8:30AM - 5PM
Saturday: 10AM - 2PM
Do I Need Car Insurance in Douglasville, Georgia?
Georgia does require vehicles to carry a certain amount of liability auto insurance.
How Much Should I Be Paying for Car Insurance?
This depends on several factors. The average rate of car insurance in the US is around $1,388 a year.
Why is My Car Insurance So Expensive?
Many factors can influence car insurance rates. Your rates may have gone up if your credit score has gone down, you got in a wreck, or you added a teen driver to your policy.
Does Credit Affect Car Insurance?
Most of the time, insurance companies do consider credit when quoting a price for auto insurance.
Finding the cheapest auto insurance rates has NEVER been this fast and easy....
Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.
A general auto insurance policy will include: Comprehensive coverage:Comprehensive coverage provides compensation for accidents that don’t involve collision. This includes environmental damage such as hail as well as vandalism and theft. Collision coverage:Collision coverage provides compensation for accidents involving collision with another vehicle or object. Bodily injury liability:Bodily injury liability provides compensation to the other driver and their passengers if you cause an accident. Property damage liability:Property damage liability provides compensation if you damage someone else’s property while driving your vehicle. Personal injury protection:Personal injury protection provides medical compensation for you and your passengers in case of an accident no matter who is at fault. Uninsured/underinsured motorist coverage:Uninsured motorist coverage provides compensation if you’re in an accident with someone who doesn’t have insurance or doesn’t carry enough coverage.
When you have a wreck, you file a claim with the insurance company you have a policy with. They assess the damage and, if the accident is covered under your policy, the insurance agency offers compensation to pay for the damages or medical expenses as necessary.
Auto insurance is required in forty-seven states they require vehicles to have some level of insurance coverage before they can even hit the road. Failure to have insurance can lead to pay a fine fine and/or jail time, not to mention suspension or revocation of your driver’s license. In most of those states, the minimum required coverage is liability coverage. To cover damage and injuries you may cause though, a handful of states require additional coverage, such as collision and comprehensive. But those are only in a hand full of states. The minimum requirement for auto insurance is liability coverage typically speaking, depending on your state. Learn more.
You can still get car insurance if you have bad credit, but your premiums may be higher. Peachstate insures standard and nonstandard drivers. And we work hard to make sure you get every discount regardless of credit score.
ATL-Buford HWY: $158, ATL-Pryor Road: $91, Cartersville: $222, College Park: $160, Decatur: $1,595, Douglasville: $1,642, Jonesboro: $1,537, Lawrenceville/Snellville: $133, Macon: $137, Marietta: $117-$252, Norcross-Tucker: $124, Smyrna: $115, Stockbridge: $260 CBS46 News
Yes, comprehensive coverage includes theft and vandalism protection.
• Distracted Driving. This may come as a surprise, but cellphones are not the number one factor in distracted driving. It’s actually food, which accounts for 80% of all car crashes. People run through a drive thru and attempt to eat while they drive and are thus distracted from the dangers of the road. This doesn’t mean cellphones aren’t a problem, however. Cell phone usage while driving causes around 1.6 million crashes every year
• Drunk Driving. DUI numbers have declined in recent years due to COVID-19 as in 2020, Georgia had 12,008 DUI convictions, but it is still the greatest risk to driving on the roads. It’s now easier to find a ride home when drunk or tipsy with services like Uber and Lyft available, but drunk driving is still a huge problem nationwide. One person dies nearly every 48 minutes due to drunk driving.
• Speeding. Running late to work is a common reason why people speed. Unfortunately, speeding can lead to a loss of control of the vehicle or the inability to stop in time. Georgia is an at-fault state, meaning that if you are the cause of an accident, you’re responsible for paying the damages. That’s why it’s important to have the best car insurance to keep you covered.
• Bad Weather. Rain, hail and floods make seeing the road and controlling the vehicle even harder. Unfortunately, all these environmental factors are frequent in Georgia.
• Heavy Traffic. In Atlanta and all around Georgia, traffic is the main complaint among drivers. It seems obvious, but when in heavy traffic, drive safely and slowly to Stay Sweet at the Peach.
While full coverage isn’t legally required by the state of Georgia, it’s in your best interest to invest in the right amount of car insurance coverage to protect yourself, your passengers and your assets.Speak with an insurance agenttoday about what full coverage means for you.
No.
As funny as that seems, the receipt is not the same thing as proof of insurance. It's simply a confirmation page and after we have received your payment, you will be redirected to a new page that has both your proof of insurance -- which will be a binder until it gets updated into the system -- and also a receipt as a confirmation that you purchased a policy. Learn more.
Auto insurance premiums may rise due to a variety of factors. If you receive multiple traffic tickets, a DUI or cause a wreck, your premiums are likely to increase. They can also increase if you add a teen driver or an expensive car to your policy. Other reasons are out of your control, such as the frequency of car crashes in your area.
Many factors affect the cost of auto insurance. Auto insurance premiums vary per state, and certain parts of Georgia are unfortunately on the high side of car insurance premiums. Auto insurance rates primarily concern the likelihood of the insured filing a claim. Areas that have higher crime rates or more annual car wrecks tend to charge more for auto insurance. Georgia has a high rate of car crashes a year and its many highways pose a high risk for drivers and insurers.
Before you pick up the keys, you should purchase auto insurance. Whether it’s a new car or a used car, you’ll want to be covered as soon as you get behind the wheel.
Drivers face many perils. If you drive uninsured, you’re liable to legal action. If you don’t have enough coverage, you could be paying expensive medical or repair bills out of pocket.
Many factors influence how much you pay for car insurance. This includes your age, gender, credit score, driving record and more.
Auto insurance rates tend to fluctuate, as do your auto insurance needs. If you make any life changes, switch cars or become unhappy with the amount you’re paying in premiums, speak with an insurance agent about adjusting your policy.
Georgia has a slightly higher car insurance premium average than the U.S. average. This is in part due to the state and partially due to the crime rate and amount of car accidents. Drivers in Georgia are more likely to file a car insurance claim, which makes car insurance premiums rise.
Most of the time, insurance companies do consider credit when quoting a price for auto insurance.
Besides carrying the state required amount of liability auto insurance, you should carry insurance to protect you and your passengers. This typically includes comprehensive, collision and personal injury protection coverage.
Even if you have a bad driving record, there are some ways you can lower your car insurance, though it will typically still be more expensive than the average policy. Talk to an insurance agent today about ways you can save.
Typically, older cars are cheaper to insure, but this also depends on the type of car. “Classic” cars that have expensive parts may cost more to insure.
You can insure a car beyond its worth, but it may result in higher premiums.
Georgia, like most states, requires drivers to carry a certain amount of liability insurance in order to drive legally on the road. The minimum requirements in Georgia are: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. These liability coverages help cover the other person if you cause an accident, but you’ll want more coverage to protect yourself in an accident, in case of environmental damage to your car (fire, vandalism, theft, etc.) or in case you have an accident with an uninsured driver.