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Friday, 13 July 2012

Cheap Auto Insurance in Atlanta GA

How to Find Cheap Car Insurance in Atlanta, GA?

Car insurance rates in Atlanta can vary quite a bit from company to company. What's more, there are other factors that affect how much you pay. Here are some tips to keep in mind.

The state of Georgia requires that all motor vehicle owners carry auto insurance protection with minimum coverages for Bodily Injury and Property Damage. These minimums are:
  • Bodily Injury: Minimum of $25,000 per person and $50,000 per accident.
  • Property Damage: Minimum of $25,000 per accident.
The higher your limits the more you premium will be. However, these important coverages can protect you financially if you are in a collision so you may want to increase those limits. So what are the best ways to save?

Shop around. Spend time getting some comparison quotes. Since rates do vary you could save hundreds just doing this. Get at least three or more quotes. The Internet is one of the easiest ways to do this. You can get online quotes from individual insurance company Web sites or by visiting a comparison site that allows you to enter your information once, then provides several quotes back.

Drive less - Many insurance companies will give you a lower rate if you drive infrequently.

Increase your deductibles - Having a higher deductible can really lower how much you pay for insurance. You just want to be sure you can come up with the deductible in the event of a claim.

Take advantage of discounts - Most car insurance companies that do business in Atlanta offer a variety of discounts. You can save by insuring your car and home (or getting renters insurance) with the same company. Other discounts include having anti-lock brakes, good grades (for students) and senior driver discounts.

Maintain a good credit rating - More and more, car insurance companies are using credit scores to assess the risk of a driver. Thus a good credit rating often means a lower rate.

When you start shopping, make sure that you provide the same information for each quote in order to get the most accurate comparisons. For example, provide the same limits of coverage, deductibles, mileage and more. You can compare Georgia car insurance quotes at www.loweryourinsurance.com, Good luck!

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