{"id":78,"date":"2021-09-06T23:42:10","date_gmt":"2021-09-06T23:42:10","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=78"},"modified":"2025-12-12T21:19:20","modified_gmt":"2025-12-12T21:19:20","slug":"the-costs-of-opting-out-of-additional-coverage","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/the-costs-of-opting-out-of-additional-coverage\/","title":{"rendered":"The Costs of Opting Out of Additional Coverage"},"content":{"rendered":"
\n
\n
\n \n \"Worried\n <\/picture>\n
\n
\n

When you call to get a quote for auto insurance in Georgia<\/a><\/strong>, you might be surprised by the number of options available. If you\u2019re worried about your budget, you might tell the agent to just give you the minimum limits Georgia requires and skip the rest.<\/p>\n

That might allow you to get cheap auto insurance, but there are a lot of circumstances where cutting corners on your car insurance will cost you money, not save it.<\/p>\n

What additional coverage can you get, and what value does it have for you? Read this article before something happens and you don\u2019t have the coverage you need.<\/p>\n

The Minimum State Requirements in Georgia<\/h2>\n

In Georgia, the insurance you need to drive legally is very minimal. You\u2019ll need liability coverage, which only pays for other people\u2019s injuries and property damage if you cause an accident.<\/p>\n

Liability coverage comes with set limits. If you cause more damage than your insurance will cover, you have to pay for the rest. That can be a scary thought with how expensive medical bills and cars are today!<\/p>\n

Here are Georgia\u2019s minimum requirements<\/u><\/a><\/strong>:<\/p>\n