Georgia drivers currently benefit from auto insurance rates that are below the national average, but costs are rising quickly. It is becoming increasingly difficult to obtain low cost car insurance in Georgia (GA), but it is possible if you know how and where to start your search.
Nationally, drivers pay an average f $1,753 for their auto insurance. In 2009, the average auto policy cost $1,575, or nearly $200 less than the national average. However, 2009 rates were a whopping 11% higher than the previous year’s. In contrast, 2008’s average Georgia car insurance rate was unchanged from 2007. You still have an opportunity to lock in low cost car insurance in Georgia, but with rates rising time is starting to run out.
The state of Georgia requires all drivers to maintain Bodily Injury Liability coverage of at least $25,000 per injured person and a limit of $50,000 per accident. This is a fairly common level of coverage in many states. Drivers must also carry $25,000 in Property Damage Liability coverage to protect against your vehicle damaging someone’s property.
An additional level of coverage that you might consider adding to your policy is Uninsured/Underinsured Motorist Bodily Injury protection. The state of Georgia does not require this level of coverage, but it would protect you in the even you get into an accident with a driver that does not have insurance. If you have significant assets to protect, you should seriously consider adding this coverage. While it will make it harder to get low cost car insurance in Georgia, but it will provide an extra layer of protection.
Drivers in Atlanta pay among the highest rates in the state sue to the congested roads in the region. More cars on the highway often leads to more accidents and the expensive claims that go along with them. In contrast, Georgia drivers living in the more rural parts of the state like Chester, Cadwell, and Mukerson will find it easier to obtain low cost car insurance in Georgia.
No matter where you live in the Peachtree state, there are a few proven strategies to help you get cheaper auto insurance. One tipis to bundle your insurance policies together with the same carrier. If you insure more than one car, or maintain an auto policy and a homeowner’s policy, it can often be cheaper to keep them all with the same company. Insurers value your business and will often reward you with lower rates by keeping more policies with them.
Always be sure to ask for any discounts your carrier may have available. Good driver discounts, low mileage discounts, professional discounts, and even good grade discounts if you are a student are often available. Many insurers will not volunteer this discounts to you, so you have to speak up and ask for them when shopping for your policy.
The best way to get a quote for low cost car insurance in Georgia is to compare rates among multiple carriers. Dozens of insurers are competing for your business, so let them battle it out to get you a great policy at a great rate. To start comparing auto insurance rates in Georgia simply type in your zip code at the top of the page and you will be instantly connected to the best discount carriers in your area. We work with big companies like Progressive and Geico and also smaller, regional insurers who can often offer a more competitive rate than the big boys. So get started saving today.