Cheap car insurance in Georgia is a relatively easy to find and certainly easier than in most other states. The average cost of auto insurance in Georgia is less than the national average and ranks in the top half of cheapest states to insure a vehicle. Rural areas of Georgia can expect to pay less than urban areas such as Atlanta, but overall the state offers very affordable insurance for vehicles.
Guide to Finding Cheap Car Insurance in Georgia:
# Finding Your Niche
You need to realize the type of driver you are and how you appear to auto insurance companies. Your risk factors may be better suited to a specific company. For instance, some companies are better organized to cater to young drivers, some to older/retired drivers and some to individuals who also need to insure their home. If you drive a luxury vehicle, there are companies that specialize in that type of auto insurance. If you are a higher risk driver, finding the right company that is comfortable and experienced working with high risk drivers is critical.
# Understanding Rates
To seek out cheap auto insurance in Georgia that also provides the amount of protection you need an understanding of rates is crucial. You need to know what variables are used to determine how much you will pay. Your geographic location is important for a couple of reasons: the cost of living, traffic and crime rate are considered when determining rates. The type of vehicle you insure is critically important as the cost of repairs and replacement must be calculated as well as the vehicle's safety features and horsepower. An expensive, powerful sports car will be much more expensive to insure than a modest sedan with a 4 cylinder engine. Finally, the risk factors associated with you are factored into to rates. Your driving record, age, credit history, sex, occupation and how often you drive are major considerations. Young males will pay the most for vehicle insurance.
# Companies to Consider
It helps to have an idea of where to begin looking for companies offering cheap car insurance. While there are the big name insurance companies such as Nationwide and GEICO that everyone has heard of; however, you have many more choices available. Here is a short list of Georgia auto insurers you may not be aware of.
- AMCO Insurance
- Country Financial Services
- DeerBrook Insurance
- Fireman's Fund
- Horace Mann Insurance
- Patriot General
- Response Insurance
- Sentry Group
- Thrivent Financial for Lutherans
# Getting Help Finding Cheap Car Insurance in Georgia
To help you understand more about Georgia auto insurance and how you fit in, as well as learn more about regulations and get company reviews you should visit the website of the Georgia Office of Insurance and Fire Safety Commissioner. You can also get in touch by phone or in person using this contact information.
Georgia Office of Insurance and Fire Safety Commissioner Contact:
Two Martin Luther King, Jr. DriveShopping for Cheap Car Insurance in Georgia
West Tower, Suite 704
Atlanta, Georgia 30334
Main Telephone: 404-656-2070
Toll Free: 800-656-2298
The average premiums in Georgia in 2010 was just over $1,300, but if you take steps to improve your standing in front of Georgia auto insurance companies, you can reduce that rate by hundreds of dollars per year. Liability insurance is cheap and if all you want to do is meet the state requirements, (25/50/25 liability coverage), you will be spending very little on car insurance. However, if you are looking for higher liability limits and comprehensive coverage, you will want to focus on controlling your risk factors and shopping around using rate quotes. In only 15 minutes you have time to gather multiple quotes to help you find cheap car insurance in Georgia.
Your risk factors are important no matter which company you choose or what part of the state you live in. Some of these factors are out of your control, such as your age, gender and where you garage your vehicle (i.e. where you live). Many of these factors; however, are within your control of, such as driving record, type of vehicle you purchase, credit score and how you drive. Control these factors and you will find yourself the darling of Georgia auto insurance companies.