Have you ever imagined driving under the beautiful moonlight of Georgia? It must be an amazing experience, but making sure your car insurance will make it more amazing. Good protection with complete coverage is vital for every car. So, who is excited to know the best car insurance Georgia?
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Best Car Insurance Georgia: Why It Should?
We could not expect what kind of incident that might be happened when we are on the road. Unexpected incidents can happen anytime and mostly we could not forecast it earlier. Even though you are well-skilled in driving, does not mean you can guarantee your safety. Fact shows Georgia has a higher accidents number in a year.
Last year, the state recorded 20% higher than the national average in the percentage of car accidents. This should make everyone aware of how important car insurance is since it can protect drivers and their cars as well. Through this article, let us help you to find out what is the best car insurance Georgia.
Best Car Insurance Georgia: Initial Steps to Know
Before choosing the best car insurance company in Georgia and purchasing one, you need to know what the government has stated in its rules about this issue. For your information, Georgia’s government is really aware of insurance, whether it is for cars or others. So, do you want to know what they say about it?
1. Pay For The Minimum Coverage, Not The Additional!
In every initial process of purchasing insurance, the company offers several types of insurance packages to buy. You are allowed to purchase the one with full coverage, minimum coverage, or even additional coverage only. When you think that your car does not need full or minimum coverage, then you may purchase the additional one.
However, Georgia’s government has a bit different rules about this. In their laws, they say that all drivers must buy at least a minimum coverage for their car insurance. What is included in the minimum coverage?
There are three types of it, and they are called 25/50/25, which means:
- $25,000 in bodily injury for every person
- $50,000 in bodily injury for every accident
- $25,000 in property destruction for every accident
Then, how does this package actually work? So, when you are involved in a car accident and caused other people to get injured, you should have at least that minimum coverage to cover them financially. That is what actually Georgia’s government wanted for every driver.
2. Possible Consequences for Drivers Without Insurance
Drivers without auto insurance in Georgia are possible for penalties. The government has stated that it is a kind of misdemeanor where you have to pay a fine from $200 up to $1,000. Another possibility also shows that you will be in jail for at least a year.
If the situation gets worse, you may also face both, pay a fine and be in jail simultaneously. Additionally, it is also possible for the government to do more acts such as enforcing license suspension for at least a month and holding your cars temporarily.
3. Aspects Affect Car Insurance Rates
One step closer to knowing the list of best car insurance Georgia. Before evaluating each company, let’s get to know the aspects that may affect your rate. What makes your rate cheaper or even more expensive is actually your personal data.
The first one, since you insure a car, so type of your car is being considered. Then, your name, address, gender, marital status, and age are also needed. Moreover, your driving history affects it as well which means that your rate may be cheaper when you drive well.
Finally, sometimes insurance companies will likely check whether you have ever had similar insurance or not. If yes and it is shown that you used to be in trouble with your previous company, your rates may be more expensive.
Best Car Insurance Georgia: Most Recommended Companies
Several points above may educate you more about car insurance, especially in Georgia. Now, let us inform you of the most recommended auto insurance companies in the state which are divided into three categories below.
1. The Cheapest Companies Based on Drivers’ Ages
In the teens’ category, Auto-Owners top the list as the cheapest auto insurance company in the state. Their average costs start from $2,860 for female teenagers and up to $3,795 for male teenagers.
Moving to the young adult group, it is obviously cheaper than teenagers as their driving skills improve as well. The company that serves the cheapest rates for women is Geico with $1,459. Meanwhile, Auto-Owners is the cheapest for men at $1,599.
Last, for seniors or people who are above 60, we recommend insuring your cars under Nationwide. This company serves the cheapest rates for both, men and women. 60 years old men have to pay around $1,132 and it is around $1,030 for women. For your information, those mentioned numbers are annual costs.
2. The Cheapest Companies Based on Driving History
Are you a driver with a speeding ticket? Then, if you want to insure your car, the best choice should be Auto-Owners because they have the cheapest rates among all. The amount of premiums that you have to pay in a year is around $1,164.
Moving to drivers with an accident, the most suggested company is Georgia Farm Bureau. In this company, you have to pay around $120 or it is $1,440 in a year. Meanwhile, for DUI drivers or those who used to drive under the influence, you will get the cheapest rates in Auto-Owners with costs around $2,184.
3. The Cheapest Companies Based on Other Aspects
The other aspects here include the city and drivers with poor credit. Georgia consists of many cities, and when it comes to auto insurance, people who live in Moody Air Force Base must be lucky because their rates are the cheapest among all. They have to pay around $96 a month or it is less than $1,1060 per year.
Additionally, the last one is drivers with poor credit. These drivers are highly suggested to insure their cars under Farm Bureau with annual costs up to $1,320.
Are You Ready to Get the Best Car Insurance Georgia?
Have you found the best car insurance Georgia? One thing that you need to know, rates are actually tentative since the company decides them based on personal data and what kind of coverage your car really needs. So please consider every factor before getting the best you can afford!
