Car insurance costs in Georgia tend to be higher than the national average, but there are ways you can reduce them. Shopping around and comparing quotes from several insurers will give drivers in Georgia the best chance at finding a cheap policy at an affordable rate. Bundling policies together, taking advantage of usage-based programs or improving credit can all potentially yield discounts as well.
Georgia car insurance policies vary in terms of cost depending on how much coverage is selected. Liability-only policies offer minimal protection and meet state minimum requirements; full coverage policies offer much more, covering accidents, theft and natural disaster damage as well as animal strikes or bird strikes to your own vehicle. A Georgia full coverage policy typically costs more than its liability-only counterpart, yet may still prove cheaper than costly repairs out-of-pocket.
Age, gender and driving history all play an integral part in Georgia car insurance rates, including your gender and the value of the vehicle you drive. Young drivers generally pay higher car insurance premiums than their older or middle-aged counterparts and face increased rates if convicted of DUI or major traffic infractions. Your choice of vehicle and its worth also have an effect; luxury models tend to cost more and be harder to repair after collision.
Finding an insurance provider to meet your unique needs and budget can be challenging, but it’s essential that you do so. Drivers may prefer working with an insurer that provides superior customer service; others might prefer one with mobile payment capabilities and mobile apps to process claims and payments. You should also investigate their reputation in terms of claims handling and customer satisfaction – even though an unfavorable reputation won’t guarantee you the lowest rate, but still offer great deals.
Cost of car insurance in Georgia varies by zip code as different areas pose different risks to insurers. Crime rate, traffic volume and number of road accidents all play an integral part in determining how much a Georgia policy costs; depending on risks some drivers might benefit more from smaller insurers that offer lower premiums.
An Georgia car insurance calculator can be helpful in estimating how much coverage is right for you and estimating premium costs. Speak with an agent to obtain tailored quotes and gain more knowledge on available types of coverage in your state.
Though Georgia requires minimum car insurance of $25,000 per person and $50,000 per accident for bodily injuries and property damages respectively, for best results it’s advisable to opt for at least $100,000 of full-coverage car insurance with liability, comprehensive and collision coverage with a $500 deductible – this option typically costs more than solely liability policies; however it often outweighs its extra costs for most drivers.