Cheap car insurance in Georgia is a realistic goal, mainly due to the fact that it is a rather cheap state in which to insure a vehicle. The average yearly premiums are nearly $200 less than the national average. If you live in Atlanta, expect to pay significantly more than the rest of the state, but otherwise, you can find really cheap coverage for your vehicle, especially if you take the time to learn a bit about car insurance in Georgia and ways in which to save money.
The Cheapest Car Insurance in Georgia
The cheapest policy you will find is one that only meets the state minimum requirements. The minimum requirement for car insurance in Georgia is liability coverage only. Limits of 25/50/25 are required to provide liability coverage of $25,000 (per person) and $50,000 (per accident) for bodily injury and $25,000 (per accident) of liability coverage for property damage. There is no requirement for uninsured motorist coverage, though you can purchase this beneficial coverage, rather cheaply, if you desire. Keep in mind that you may also have to satisfy the coverage requirements of your lender. This will usually entail insurance against collisions as well as theft, fire and vandalism.
Controlling Risk for Cheap Car Insurance in Georgia
The type of policy you purchase will have a great deal to do with how much you pay, but you must also control your risk factors to ensure that you will qualify for low rates even on a bare bones policy. Underwriters evaluate each customer to determine their risk to the company. While each company weighs risk differently, some of the most important considerations from company to company include:
- Driving record
- Credit score
- Type of vehicle insured
- Age/mileage of vehicle
- Miles driven per week
- Type of driving
- Where vehicle is garaged
Take Advantage of Discounts for Ultra Cheap Car Insurance in Georgia
Taking care of your risk factors is a good way to reduce your auto insurance rates, but you also want to take advantage of the discounts offered by insurance providers. Here are a few of the most common discounts offered by Georgia auto insurance providers.
- Purchase homeowners policy along with auto policy
- Insure recreational vehicles and/or boats with auto insurer
- If a student, get good grades
- Take a defensive driving course
Resources to Help You Find Cheap Car Insurance in Georgia
Shopping for auto insurance becomes much easier if you have tools at your disposal. Luckily, you do have these tools to give you information about Georgia auto insurance regulations and information regarding insurance providers.
- Georgia Office of Insurance and Safety Fire Commissioner
- JD Power and Associates
- Local Georgia Better Business Bureau
One final resource that you may also not be aware of, but can be incredibly helpful, is online rate quotes. You will never know if you are getting the cheapest rates available if you don't compare rates. Rate quotes are free and easy to obtain. They allow you to compare the rates of the top auto insurance companies in Georgia so you can get the best deal. You can visit www.cheapcarinsuranceingeorgia.com for more information on how to save money and to gather rate quotes on your own.