Cheapest car insurance in Georgia Today

Insurance rates in the Peach State can leave your wallet feeling pitted. But you can find affordable coverage in Georgia by shopping around and leveraging discounts.

This guide will teach you how to minimize your car insurance costs. We’ll look at:

  • Cheapest basic liability options
  • Comparing quotes from various companies
  • Major factors that impact premium pricing
  • Effective tips to reduce full coverage costs

Follow these strategies to secure major savings on Georgia auto insurance.

Car Insurance Prices in Georgia

Purchasing Minimum Liability-Only Car Insurance

The most straight-forward way to cheap car insurance in Georgia is buying stripped-down basic liability only policies. These include:

  • Bodily injury liability - covers injuries to others you cause
  • Property damage liability - covers damage to other's property
  • Uninsured motorist bodily injury

Georgia requires these minimum liability limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage

Note that these coverage minimums would only cover small accidents. Raising your limits substantially increases premium costs.

Some insurers known for competitive basic liability rates in Georgia:

  • Auto-Owners Insurance - Local company with affordable minimum coverage
  • Georgia Farm Bureau - Popular for low liability premiums
  • Progressive - Competitive pricing for only basic required coverage
  • Allstate - Offers very cheap minimum liability policies
  • Direct Auto - Specializes in bare-bones coverage

Expect to pay $500 or less annually through these carriers for bare minimum coverage. Just know you’d be exposed with major accidents.

Now let’s discuss using comparison quotes to uncover the best deals.

Car Insurance Prices in Georgia

Compare Quotes to Find the Lowest Rates

Shopping insurance rates from a variety of companies is the key strategy to find cheap car insurance in Georgia. Insurer pricing can vary widely.

Taking the time to compare quotes will reveal the most budget-friendly options tailored to your situation. You can compare quotes in two ways:

1. Use Online Quote Comparison Sites

You can instantly compare quotes from many top insurers through aggregator sites like:

  • Insurance.com
  • CarInsurance.com
  • QuoteWizard.com

Just enter your basic info once for quick rate comparisons.

2. Get Quotes Directly from Company Websites

For more flexibility and customization, get quotes directly from insurer websites like:

  • State Farm
  • Allstate
  • GEICO
  • Farmers
  • Nationwide

Aim to compare quotes from 5+ different insurers. The more rates you analyze, the more likely you are to find the lowest price.

Now let’s examine the major factors that determine car insurance costs in Georgia.

What Impacts Car Insurance Premiums in Georgia

Your personalized premium is calculated based on these main category of factors:

Driver Profile and History

Your individual risks as a motorist heavily sway rates:

  • Driving Record - Citations, accidents, DUIs result in drastically higher premiums
  • Age - Teen and elderly drivers pay much more
  • Credit History - Better credit equals lower rates
  • Marital Status - Married drivers get better premiums
  • Gender - Young males generally have higher rates

Vehicle Profile

The car you drive affects your policy rate:

  • Make/Model - Sports cars and large SUVs have higher insurance costs
  • Age - Brand new vehicles are cheapest to insure
  • Safety Features - Airbags, anti-theft devices earn discounts
  • Annual Mileage - Driving fewer miles can lower your rate
  • Commute - Long highway commutes increase premiums

Coverage Types and Limits

The more insurance you buy, the more it costs:

  • Going with just minimum liability requirements saves the most
  • Raising liability limits increases rates exponentially
  • Adding protection like roadside assistance also raises costs

Now that you know what impacts premium pricing, here are tips to lower costs for full coverage policies.

Car Insurance Prices in Georgia
Car Insurance Prices in Georgia

Tips for Getting the Cheapest Full Coverage Insurance

Drivers needing ample coverage still have options to reduce rates. For example:

Enroll in Usage-Based Insurance Programs

Insurers like Progressive and Allstate offer pay-per-mile insurance based on actual driving habits through monitoring devices, saving money for less frequent drivers.

Bundle Home and Auto Insurance Policies

Combining home and auto policies earns a multi-policy discount. Check savings from bundling renters or life coverage too.

Take Defensive Driving Courses

Completing a GA DS-approved defensive driving course earns a nice discount for 3 years. Online courses are convenient options.

Maintain Good Credit History

Drivers with very good credit (scores above 700) save a lot on Georgia rates. Keep accounts in good standing.

Raise Physical Damage Deductibles

Choosing higher comp/collision deductibles like $500-$1000 reduces premiums. Just set aside funds to cover the bigger out-of-pocket costs.

Compare Extensive Quotes

Shopping around remains key. Compare rates from at least 5-6 insurers to find the best price on ample coverage.

In summary:

  • Go with basic minimum liability for lowest premium costs
  • Use online tools to efficiently compare cheap rates
  • Driver history, vehicle type, and policy limits impact pricing
  • Usage programs, bundling, defensive driving, and higher deductibles reduce full coverage costs

Apply these tips to car insurance shopping in Georgia. Finding affordable rates takes some work, but offers major savings payoff.

FAQs

Which companies offer the cheapest car insurance in Georgia?

According to various sources, some of the cheapest car insurance companies in Georgia for 2023 include Auto-Owners, Country Financial, and Central Insurance. The specific rates and coverage options can vary depending on individual factors such as age, driving record, location, and vehicle type.

How much can minimum liability coverage reduce premiums?

Minimum liability coverage can help reduce premiums, but the amount of savings can vary depending on the specific insurance company and policy. According to ValuePenguin, drivers in Georgia can save an average of $400 per year by choosing minimum liability coverage instead of full coverage.

What are the best ways to compare insurance rates?

Several tools are available to help compare car insurance rates, including online comparison websites, insurance company websites, and independent insurance agents. These tools can provide quotes and information on coverage options, discounts, and other factors to help drivers find the most affordable and suitable insurance policy.

How can drivers with traffic violations get cheap insurance?

Drivers with traffic violations can potentially get cheap car insurance by shopping around and comparing quotes from different insurance companies. It's also important to maintain a clean driving record and take advantage of available discounts, such as safe driver discounts or driver training discounts. Some insurance companies may also offer specialized policies for high-risk drivers.

What discounts help keep full coverage affordable?

Several discounts are available to help keep full coverage car insurance affordable, including safe driver discounts, multi-policy discounts, and vehicle safety feature discounts. It's important to ask insurance companies about available discounts and compare rates from different providers to find the best deal.

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