Car insurance is mandatory in Georgia, and drivers can find competitive rates from numerous insurers. Cost varies widely depending on individual driving and vehicle history as well as personal factors like age, gender and marital status – finding an affordable policy may prove challenging; here are a few strategies to help drivers save on car insurance in Georgia.
Good drivers typically pay less for car insurance than drivers with poor records. Drivers can increase their chances of finding lower rates by avoiding traffic tickets and accidents, maintaining a clean driving record, minimizing mileage driven, taking advantage of discounts offered, and taking advantage of available offers. Insurance carriers adjust rates depending on local statistics so drivers in some parts of the state may pay more than in others.
Popular belief holds that men pay more for car insurance than women; however, this depends on both carrier and driver. Our research revealed that Geico and Progressive charged female drivers approximately $50 more annually than males for identical profiles and driving records. Age was another factor: younger drivers tend to pay more. Marital status also played a factor: married drivers typically paid less on average than single drivers.
Though many drivers in Georgia are insured, many lack sufficient coverage. A 2015 study ranked Georgia 25th for its percentage of uninsured drivers; having enough liability coverage is crucial to protecting yourself financially in case of an accident. To be extra secure and ensure full protection is provided in such circumstances as Med Pay and Uninsured Motorist policies – these additional options help cover costs when the other party does not carry enough car insurance or does not carry enough.
Georgia drivers looking for car insurance that provides discounts can find several of Georgia’s top auto insurers offering discounted rates and comprehensive coverage options at reduced rates. They have been evaluated by consumer protection authorities and the Better Business Bureau as being compliant with state law, quick to resolve complaints quickly and fairly and providing online access to policy details and managing claims, which allow consumers to easily make changes to their policies online.
Poor driving histories and credit scores are considered high-risk by insurance companies and must pay more for car insurance policies. They can still secure competitive rates by shopping around and applying for multiple discounts like safe driver, good student or loyalty discounts; those involved in accidents who caused it themselves can lower their car insurance rates by maintaining a clean driving record and installing safety features on their vehicles.
Drivers searching for cheap car insurance in Georgia can save money by comparing quotes and taking advantage of multiple discounts. Drivers can also save by tailoring their policy by increasing deductibles or changing providers; in Georgia’s laws are against texting while driving and the use of hand-held devices while operating a vehicle.