Georgia Auto Insurance
Georgia has minimum car insurance requirements like all other states which drivers must meet in order to drive legally. These include at least $25,000 in coverage for accidents involving one person, at least $50,000 in coverage for accidents involving more than one person, and at least $25,000 in general property damage for each accident that occurs. As you can see, these minimum requirements are extremely low, especially for a tort state, where you are responsible for any damages or injuries that you cause. In fact, these amounts are barely enough to cover the cost of one hospital visit in the event that you injure another driver. As such, you’ll want to add to these coverage amounts whenever possible. After all, what good is an insurance policy that doesn’t do its ultimate job – to protect you?
Average Cost of Georgia Car Insurance
Fortunately, most Georgia drivers are smart and informed and choose to add on at least $100,000 to each of the basic car insurance categories. As such, their average rates reflect these higher amounts of coverage. In 2011, the average premium cost per year for a Georgia resident was $1,298. While this might seem high to some drivers, it is actually lower than the national average of $1,440, and it has gone down each year for the past several years. Of course, the state average is not necessarily representative of what you can expect your own rates to be. Instead, it merely serves to give you an idea of what others are paying for car insurance. Your own rates may be higher or lower than the average depending upon your age, who your provider is, your personal driving history and record, discounts for which you qualify, and many other factors. So, this figure is just something to keep in mind as you compare car insurance quotes. Each provider is different and will charge different rates, so it’s important to shop around to find the one that meets your individual needs as a driver.
One of the smartest things you can do as you search for automobile insurance is to compare free rate quotes from a wide variety of providers in your area. When you have several quotes in front of you, it’s easy to compare them and to find out which one is offering you the best deal. However its important never to focus only on the average premium cost. Always look at the amount of coverage you are getting as well; this is perhaps even more important than the actual price you pay.
Georgia Car Insurance Discounts
One good thing is that Georgia is known for making several automobile insurance discounts available to its residents. If you qualify for some of these discounts, you can end up saving a ton of money on your policy. Even if you don’t qualify, many discounts are quite easy to qualify for just by making a few minor adjustments. Popular car insurance discounts offered by most providers in the state include good driver discounts, multiple vehicle discounts, safety features discounts, anti-theft discounts, and more.
How much is auto insurance in Georgia?
Good driver discounts, as the name implies, are awarded to those drivers who do have not had any accidents or any ticketable offenses under their last policy or in a certain amount of time as specified by the insurance provider. Even if you do not fall into this category based on your own driving record, many providers will allow you to receive it if you take a defensive driving course or some other approved form of driver’s education classes.
The multiple vehicle discount is simple as well. If you or someone in your family owns another car, and you insure it on the same policy or through the same provider, depending on the provider’s policy, you can receive a heavy discount on one or both policies. So, for those who have more than one car in the family, this is an absolute must.
Safety features and anti-theft features discounts are also widely available. If your vehicle has factory installed safety features such as airbags, antilock brakes and/or approved anti-theft features, like car alarms or coded entries, you can receive a huge discount from your provider. Such features are relatively inexpensive, so adding them on for the discount is well worth it.
Who has the best Georgia Auto Insurance Rates?
Georgia is one of the most competitive states for auto insurance so drivers have a wide list of auto insurance companies to choose from however the cost of car insurance will vary from one provider to another. Every Georgia auto insurance company has its own unique way of calculating risk and its your overall profile which determines your car insurance premiums. This includes the type of car you drive, where you live, the type of car insurance you need, your driving record, credit score and more. All drivers should compare at least a handful of Georgia auto insurance companies before selecting a provider. Get started today and compare Georgia auto issuance quotes by entering your ZIP code above.
