Georgia car insurance companies use a variety of factors to determine how much to charge for coverage. A few of these factors include the car model you drive and the amount of coverage you buy. Some of the other things they consider include your age, driving habits, and claims history.
One of the best ways to get a good deal on your auto insurance is to shop around. Insurance rates can vary wildly from company to company. Your credit score is another important factor that insurers consider. People with high credit scores pay less for car insurance. If you have a poor credit score, you may want to work on improving it.
The state of Georgia requires you to have liability insurance. This coverage pays for damages to other people’s property or injuries you cause in an accident. You can opt to add comprehensive and collision coverage for extra protection. However, your costs will increase if you choose to have a comprehensive policy.
While a car insurance calculator is not the only way to find out how much you will have to pay, it can give you a good idea of the cost of car insurance in Georgia. In fact, the ValChoice car insurance calculator can provide an estimate of the costs of both collision and comprehensive insurance.
The best way to find the cheapest car insurance in Georgia is to compare multiple companies. If you don’t have the time to shop for quotes, a car insurance calculator can help you get an idea of what you can expect. It is always a good idea to check your driving record to see how often you have been in an accident. If you have received a speeding ticket, this can increase the cost of your insurance by hundreds of dollars.
When determining how much car insurance you will need, the state of Georgia recommends a full coverage policy. This type of coverage is designed to cover the cost of any damage that you might cause to someone else’s property or car, as well as any medical expenses resulting from a car accident.
The minimum amount of coverage that you can purchase in Georgia is $25,000 for property damage and bodily injury liability per person. While this is a good start, drivers will typically need more than this. Comprehensive and collision coverage are more expensive than the Georgia minimum, but will give you more protection in the event of an accident.
The average cost of full coverage car insurance in Georgia is $1,625 per year. That’s about 21% higher than the national average.
Despite the hefty price tag, you can avoid paying too much for car insurance by taking the right precautions. These include obeying the posted speed limit and not rushing. Also, make sure to contact an insurance expert to discuss your options.
Having an insurance specialist work with you will help you to find the most affordable coverage possible. For instance, if you live in a high-risk area, you may want to consider uninsured motorist coverage to protect yourself from costly lawsuits.