If you're in the market for car insurance, you might be wondering how much coverage you really need. Should you just get enough to cover the car and basic liability? What about uninsured drivers? As the experts at BestRate Auto Insurance in Statesboro, GA, explain, car insurance actually includes a variety of different policies, each of which will require a different amount of coverage.

Liability & State Minimums

Georgia, like many other states, requires drivers to carry a minimum amount of insurance to compensate other drivers for accidents you cause. Every driver should have at least $25,000 of bodily injury liability per person, with $50,000 of coverage for all injuries resulting from a single accident. You must also carry at least $25,000 in property damage insurance, but you may want to purchase additional coverage; injured parties can file a lawsuit to collect on anything your insurance company won't pay.

Collision & Comprehensive Insurance

Your collision policy covers damage to your own car in an accident you caused, while comprehensive insurance will pay for damage caused when it's not on the road. If possible, you'll want to make sure you have enough coverage to replace the vehicle or pay off the loan if something happens to it.

Uninsured Motorist Coverage

When you've been hit by a driver without adequate insurance, your uninsured motorist policy will pay for your damages. Generally, this coverage is very affordable and provides valuable protection against a risk that could seriously upend your life.

The complexities of the insurance industry make it difficult to determine the best policy in any given situation, which is why the experts at BestRate Auto Insurance strive to give specialized solutions to every individual client. Visit their website to learn more about their commitment to providing exceptional service, or call (912) 489-5942 to request car insurance quotes today.