Cheap Auto Insurance In Georgia
Cheap car insurance in Georgia is a realistic goal, mainly because of the fact that it is a rather cheap state in which to insure a vehicle. The average yearly premiums are nearly $200 below the national average. If you live in Atlanta, expect to pay significantly more than the rest of the state, but otherwise, you will find really cheap coverage to your vehicle, especially if you take the time to study a bit about car insurance in Georgia and methods to save money.
The Cheapest Car Insurance in Georgia
Cheap Car Insurance In Georgia
The lowest priced policy you will find is one that only meets their state minimum requirements. The minimum requirement of car insurance in Georgia is liability coverage only. Limits of 25/50/25 have to provide liability coverage of $25,000 (per person) and $50,000 (per accident) for bodily injury and $25,000 (per accident) of liability insurance for property damage. There is no requirement of uninsured motorist coverage, though you can purchase this beneficial coverage, rather cheaply, should you desire. Keep in mind that you may also need to satisfy the coverage requirements of the lender. This will usually entail insurance against collisions in addition to theft, fire and vandalism.
Controlling Risk for reasonable Car Insurance in Georgia
The policy you purchase will have a great deal to do with how much you pay, however you must also control your risk factors to actually will qualify for low rates even on the bare bones policy. Underwriters evaluate each customer to determine their risk to the company. While each company weighs risk differently, probably the most important considerations from business to business include:
Type of vehicle insured
Age/mileage of vehicle
Miles driven each week
Type of driving
Where vehicle is garaged
This season, the average yearly cost of car insurance in Georgia was $1,361 compared to the national average of $1,538. By knowing the risk factors above and searching, you can push your rates even lower.
Take Advantage of Discounts for Ultra Cheap Car Insurance in Georgia
Taking care of your risk factors is a good way to reduce your auto insurance rates, but you also want to use the discounts offered by insurance providers. Here are a couple of the most common discounts offered by Georgia auto insurance providers.
Purchase homeowners policy together with auto policy
Insure recreational vehicles and/or boats with auto insurer
If each student, get good grades
Take a defensive driving course
Securing your automobile is also critically important for residents of Georgia. Georgia, along with some of its neighboring states year in and year out are tops in the nation in vehicle thefts. Georgia itself is the reason for about 9 percent of all vehicle thefts in america. To save some money consider an anti-theft device or security alarm as well as services such as OnStar. Finally, when possible, park your vehicle in your garage instead of on the street.
Resources to Help You Find Cheap Car Insurance in Georgia
Shopping for automobile insurance becomes much easier if you have tools for your use. Luckily, you do have these tools to offer information about Georgia auto insurance regulations and data regarding insurance providers.
Georgia Office of Insurance and Safety Fire Commissioner
JD Power and Associates
Local Georgia Better Business Bureau
These are great resources to learn about Georgia auto insurance and to select the best company and policy for you. JD Power and Associates provides ratings of insurance providers. Moody's provides you with financial stability information of prospective insurers. The two Georgia government site provides regulation, lets you search for car insurance agents and enables you to compare rates. And, remember, before making a major purchase, you should check with your local BBB to find the low down on prospective companies. Cheap car insurance in Georgia can be high-quality insurance.