How to find the best car insurance in Georgia
Finding the best car insurance rates in each state doesn’t have to be complicated. In fact, you can take a few simple steps before you even start shopping. These steps might save you time and help you find the right company and coverage types for you.
Consider minimum insurance requirements in Georgia
Georgia car insurance laws require you to carry at least a minimum level of auto insurance. As a licensed driver in the Peach State, you must carry at least the minimum required levels of bodily injury liability coverage and property damage liability coverage. Minimum coverage generally costs less than buying higher limits or full coverage, but it may not provide you with enough financial protection to pay for the costs of an at-fault accident.
If you cause injuries or damages that exceed your coverage limits, you will be responsible for the overage out of pocket. Most insurance professionals advise that you purchase higher liability limits if you can afford them.
Consider lender requirements
If you have a loan or lease on your vehicle, you typically will be required to carry full coverage. What is full coverage car insurance? Full coverage means that you have comprehensive and collision coverage on your policy. If you lease your vehicle, your lessor might also require you to carry at least a certain level of liability coverage as well. Additionally, you may want to consider gap insurance. Gap coverage is designed to pay the difference between your new vehicle’s actual value and the outstanding loan or lease amount owed if your car is totaled or stolen and nonrecoverable.
Consider your individual needs
Everyone has a unique situation that they bring to their auto insurance search. Maybe you need car insurance for teen drivers, so you’re looking for a company with cheap rates for inexperienced drivers and young driver discounts. Or perhaps you’ve had a few accidents or a DUI conviction and need high-risk auto insurance. Understanding your individual circumstances and deciding what coverage types, discounts and policy features you are looking for may help you choose which companies to get quotes from.
Car insurance discounts in Georgia
Although Georgia’s auto insurance prices are higher than the national average, you still have ways to potentially lower your premium and effectively find the cheapest car insurance in Georgia. If you’re wondering how to lower your car insurance, discounts are one of the easiest ways to save. Most major insurance companies offer at least a few discounts. Some of the best car insurance discounts in Georgia are:
- Young driver discounts: If you have a teen driver on your policy, you may be eligible for several discounts. If your teen is a full-time student and maintains good grades, you might qualify for a good student discount. Other common young driver discounts include savings for students who go to college without a vehicle and teens who take a certified driver training course.
- Safe driver discounts: If you have a clean driving record, you might qualify for a safe driver discount. Additionally, having certain safety features on your car, like anti-lock brakes, an alarm system, forward collision warning or side curtain airbags might earn you a car insurance discount.
- Other discounts: If you own a home or condo, or even if you rent your current home, you may get a multi-policy discount if you insure your property with the same company as your auto insurance. This is called “bundling.” The benefits of bundling your home and auto insurance could be significant. Also, many companies will offer a policy discount if you are able to pay your entire premium in full, rather than in monthly or quarterly installments.
Discounts may be one of the easiest ways to save on your auto insurance. Each company offers a different suite of discounts, so researching savings opportunities online or talking to a representative from your current company may help you to identify ways to save.