Georgia is a stunning driving destination, whether you’re exploring Atlanta’s bustling city streets or Savannah’s historical squares. No matter where your destination lies in Georgia, car insurance coverage must always be in effect – although car insurance rates can differ widely from insurer to insurer; indeed some drivers pay over double for similar coverage than others do! To make wise decisions regarding your policy it is vital that you understand which factors influence Georgia car insurance rates.
Your vehicle type can have an enormous effect on Georgia car insurance rates. In general, larger and more powerful cars typically cost more to insure than less powerful ones; modifications also tend to increase this cost significantly.
Your age and gender also play a key role in how much car insurance costs in Georgia. Younger drivers tend to be more costly due to a lack of driving experience and statistically higher accident risk; males tend to cost more than females for coverage. Furthermore, adding a teenage driver could raise your premiums an average of 3.1x!
An impeccable driving record can go a long way toward reducing Georgia car insurance rates, while having one with driving violations can increase it by as much as 50 percent. According to WalletHub’s research, Auto-Owners, Farm Bureau, and USAA are three excellent companies for high-risk drivers in Georgia.
If you are found responsible for an at-fault accident, Georgia car insurance rates could increase by as much as 80 percent; even just one speeding ticket can cause them to increase by 22 percent.
There are various strategies you can employ to lower your Georgia car insurance rates without compromising coverage. One effective approach is shopping around and comparing quotes from multiple providers. Also be sure to inquire about discounts; many top-rated car insurers provide student discounts, military discounts and senior citizen discounts; bundling your auto with homeowners/renters policies can sometimes result in savings as can usage-based programs which reward safe drivers with discounts; so start searching now and see how much money can be saved!