When Southern Harvest Insurance became a part of the Confie family of companies in July of 2019, they joined one of the largest privately-held insurance brokers in the United States. From the beginning, Southern Harvest started with just one thing in mind: to make auto insurance affordable for everyone in Georgia.
We have the flexibility to offer a true variety of insurance policies—from the most basic plans to premium coverage. We specialize in auto insurance for the non-standard market. We help our customers get back on the road no matter their driving record. Our experienced team of insurance advisors is local agents who know the community and take pride in providing quality service and low rates to find the coverage that’s right for you and your budget.
We offer a variety of insurance products in our 23 locations throughout Georgia’s suburban and rural areas. We can help you:
- Find the best rates
- Shop multiple carriers to find you the best coverage
- Service your policy over the phone and in person
We are more than just an insurance company. We are dedicated to giving back to our community in line with our commitment to corporate social responsibility. That’s why we offer our online knowledge center to everyone in the community. Whether you are not sure about the terms of your auto insurance policy, or if you are just looking for tips on how to keep your car in good shape, you can find expert advice in our knowledge center.
But it’s not just us who have good things to say. Southern Harvest was named the Southeast Region Allstate Agency of the Year as well as the State of Georgia Allstate Agency of the Year. In Allstate production, Southern Harvest was named number one in the Southeast Region and number two in the United States.
Most importantly, Southern Harvest aspires to be the most trusted source of insurance solutions, so our customers can have peace of mind.
Affordable Auto Insurance Quotes in Georgia
The key to saving on car insurance in Georgia is comparing rates from different providers. That may sound like a lot of work, but paying less for car insurance does not have to be a hassle. Southern Harvest is here to help you get affordable car insurance in Georgia.
Don’t look any longer for cheap car insurance in Georgia. You have come to the right place, and Southern Harvest is ready to find the perfect policy for you while you save. All without the hassle of looking at several different websites or making more than one single call.
Why Do I Need Car Insurance in Georgia?
If you drive a car in Georgia, you are legally required to cover a minimum amount of car insurance and provide proof. Otherwise, you could be subject to fines, license suspension, vehicle impoundment, and even jail time.
Besides the legal aspect, you should also keep in mind that Georgia is an at-fault state, which means that the driver deemed guilty of the accident will have to cover the damages. Georgia’s type of fault is a proportional comparative fault, meaning each driver involved in the crash has a percentage of the blame.
Get Cheap Car Insurance Near Me in Georgia
You can start your car insurance quote anywhere online or by giving us a call. You can also visit us at your nearest Southern Harvest office, where one of our agents will gladly help you find the policy at the best price for your needs and budget.
How Much Coverage Do You Need?
Figuring out how much coverage you need can get complicated fast because there are many factors to consider, like the type of car you drive, your driving history, age, etc. First of all, you should at least get covered by the state’s minimum requirements (detailed below).
However, the minimum insurance may not be enough for your needs, so consider complementing your policy with comprehensive collision coverage.
Minimum Auto Insurance Requirements in Georgia
In Georgia, all drivers must carry liability auto insurance with at least:
- $25,000 bodily injury liability (per person)
- $50,000 bodily injury liability (total)
- $25,000 property damage liability
What is the Average Car Insurance Cost in Georgia?
The average cost of car insurance in Georgia is around $1,388 per year. So, in general, car insurance is less expensive in Georgia than in other states. However, remember that rates can vary a lot between cities and even zip codes. That’s why it’s essential to compare rates between providers.
Luckily, Southern Harvest is here to make things super easy for you. We help you compare, find and buy the right car insurance policy at the lowest possible price for you. Start your quote from anywhere online or over the phone.
What are the Best Car Insurance Discounts Available in Georgia?
Companies in the state offer several discounts to drivers that meet specific criteria or requirements. These are some of the ways you could save money on car insurance in Georgia:
- Good Student discount
- Multi-car discount
- Anti-theft discount
- Good driver discount
- Multi-policy discount
Can I Save Money on Car Insurance Even With a Bad Record in Georgia?
If you have tickets, a DUI, or need an SR-22, you may think that saving on car insurance is impossible, but it does not have to be. Even though you may be considered a high-risk driver by companies, It all depends on what types of traffic violations and accidents you have experienced (if it was your fault or not, for example) and if you shop around for coverage.
That is why comparing rates from different providers and getting several quotes is especially important when your record is less than perfect.
FAQs – Southern Harvest Insurance
How Much Car Insurance Do I Need in Georgia?
Consider your individual needs when choosing the right coverage. Answer these questions: How much can you afford to pay out of pocket? Do you make payments on the car? Are there any drivers in your house that can be excluded from the coverage? The answers should guide your choice of car insurance coverage.
What Insurance Policy Should I Get in Georgia?
While getting your online quote, you will select coverage options. If you are unsure about what optional coverages to select, call 877-831-4677 to speak directly with a representative who can answer your questions.
What if I Have a Question About Coverages During my Quote?
If you are getting an online quote and need assistance, call 877-831-4677
What Happens to my Car Insurance if I Move?
There are several different ways you can notify Southern Harvest or your insurance carrier that you are moving:
Notify your insurance company directly: Call your insurance company directly or mark the new address on your bill, and the insurance company will make the change.
Call us or visit your local Southern Harvest insurance center: Reach our customer service representatives at 877-831-4677 or find your local office and fill out a change of address form.
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