Cheap auto insurance in Georgia is real, as long as you know where to find it. Since, it isn’t as expensive as California, insuring your vehicle should be as easy as pie, The national average is pegged at $200 or less. Even if you live in Atlanta, you can still find reasonable rates for your car’s coverage.
Finding the Cheapest Auto Insurance
If you really want cheap insurance, then go for the state’s minimum requirements. The limit structure is 25/50/25, which means $25,000 coverage liability per person, $50,000 for bodily accident per accident and $25,000 property coverage per accident.
In Georgia, uninsured motorist coverage is not compulsory, but if you like, you can purchase this additional coverage very cheaply. At their own discretion, lenders may require additional coverage to protect against theft, vandalism or fire.
The associated risks will have a huge impact when it comes to insurance premiums. Some of them are manageable, keeping them at safe levels should help you to lower the rates. Majority of the insurers evaluate you according to the following factors: age, gender, credit score, driving history, vehicle type, vehicle make or year, occupation, etc.
In 2010, Georgia’s average cost for auto insurance was $1,361. The national average during that time was $1,538. Final rates can still be lowered, depending on your persistence to shopping around or working with identified risk factors.
Since, insurance is a game of risk, lowering any risks associated with you will reduce your insurance rates as well. Additionally, don’t forget to take advantage of the discounts offered by some underwriters. Common types of discounts offered in Georgia.
- When purchasing auto policy along with homeowner’s policy, life insurance, etc.
- When a student performs well academically
- If you take defensive or refreshing driving courses
Like in any other states, if you show your insurer that you are doing something to protect your vehicle from thieves, you will be likely to receive price relief. Georgia has about 9% of all recorded car theft in the United States. Installing anti-theft devices or securing your car under a covered garage will further reduce insurance prices.
Shopping for your car insurance is no longer a problem in Georgia. There are tools that you can use, free of charge, at your disposal. You can find these tools easily by going to comparison websites such as this site. Alternatively, you can head to georgia.gov, Georgia Office of Insurance and Safety Fire Commissioner or JD Power and Associates.
You can find tons of resources from those places; helping you sort out any doubts you may have about car insurance. For instance, if you want to cut your research time, and just pick the best-rated company out there, you can use JD Power and Associates to find their corresponding ratings. The two cited government sites allow you to search for legal insurers, and compare their rates as well. All the same, whatever you do online, especially if it requires you to send substantial cash, make sure to check that company first from your local BBB.
You don’t have to spend that much to find high quality insurance protection in Georgia, as there are cheap ones that are competitive as well.
