Like many states, Georgia requires certain minimum levels of auto insurance coverage for all drivers. Georgia mandates Bodily Injury Liability coverage with a $25,000/$50,000 limit and Property Damage Liability coverage with a $25,000 limit. These are relatively low minimums, which makes it easier to find cheap car insurance in Georgia, but you still need to know how to shop for a policy.
With the costs of auto insurance going up around the country, more and more drivers are choosing to drop their coverage. While this is a bad financial decision for the driver, it’s also a problem for you if you happen to get into an accident with a uninsured/underinsured driver. Uninsured/Underinsured Motorist Bodily Injury coverage protects you in these events. While Georgia does not require you to purchase this level of coverage, it’s a good idea to add it to your policy.
Drivers within the state of Georgia will see widely varying rates. Residents of urban areas like Atlanta will see the highest rates, as cities mean more traffic, more congestion, and a higher probability of an accident. Insurance carriers factor in the likelihood of a claim being filed and adjust the rates accordingly. In contrast, drivers in rural parts of the state such as Brooker, Denton, and Cedar Park, will find it much easier to find cheap car insurance in Georgia than their city cousins.
The average Georgia auto insurance rate in 2009 was $1,575. This is below the national average of $1,753. However, cheap car insurance in Georgia is getting to be a thing of the past, as rates have risen in recent years. 2009 rates jumped 11% over 2008 rates, which were unchanged from the year before. With rates rising, it’s important for consumers to lock in cheap car insurance in Georgia now.
When shopping for a policy, be sure to ask for all the discounts that may be available to you. If you driver less than 5,000 miles per year, or have the latest safety devices installed in your car, most carriers will cut your rate. Likewise, if you keep your renter’s or homeowner’s policy with the same insurer as your auto policy, you should be able to save money.
No matter where you live in the state, you will find it easier to obtain cheap car insurance in Georgia by comparing rate quotes for car insurance from multiple carriers. Dozens of insurance companies do business in Georgia and all of them seek your business. Let insurers compete against each other to get you the best rate.
To get started shopping for cheap car insurance in Georgia, all you need to do is enter your zip at the top of the page. You will be instantly connected to the best carriers in your area and can compare rates by clicking on one or more of the companies presented. Start saving on your policy now.