How to Save Money With a Car Insurance Calculator

Factors such as your age, driving history, car you drive and the level of coverage you purchase can influence the cost of Georgia car insurance policy. Fortunately, there are ways to reduce your spending on insurance – here are a few suggestions to help save money:

Pay Attention to Your Credit Score

Your car insurance rates will be higher if your credit is bad, even though Georgia doesn’t allow companies to use credit scores when determining rates. Therefore, it’s still wise to maintain good standing with the credit bureaus and make timely payments on bills.

Get a Quote for Georgia Auto Insurance

To get the best rate on car insurance, it is necessary to shop around and compare policies from multiple insurers. This can be done online by providing your personal information and vehicle details to several different firms. Once you’ve narrowed down your choices, contact them in order to receive an accurate quote.

Maximize your Georgia auto insurance savings by selecting a company with excellent customer service. Insurers with higher ratings for customer satisfaction tend to offer cheaper premiums than those with lower ones.

Insurance providers that offer student discounts can help you save on your policy costs. These programs often save up to 45% and the money saved can be applied towards lower premiums.

Buy the Right Level of Coverage

In Georgia, you must carry liability insurance to cover other people’s property damage and injuries caused by a crash caused by you. The state minimum limits for liability are $25,000 per person and $50,000 per accident; however, additional coverage such as collision and comprehensive insurance is available beyond these minimums.

These levels of insurance will cost more than the state minimum requirements, but having them is essential in case an accident occurs. Unfortunately, they are not enough to cover all damages caused to other drivers and their vehicles in a crash.

When selecting the level of coverage you need for your car, take into account how much you are willing to spend and its value. Insurers typically charge higher premiums for luxury models or those which require more repairs.

Georgia drivers typically pay between $206 and $311 a month, depending on where they live and the type of coverage they select. Drivers in Atlanta and Decatur can expect the highest monthly rates while those living in Sycamore and Valdosta pay the lowest costs.

Find a Local Insurance Company

In Georgia, there are plenty of regional and national insurers offering competitive rates. In some cases, these smaller firms may even boast superior customer satisfaction ratings to the major national brands.