If you have plans to move to the United States, Atlanta could be a worthy consideration. This city is also such a good option for starting a family because it provides complete public facilities. But, did you know that before owning a private vehicle, you must have car insurance? It’s best if you look up a lot of information about car insurance Atlanta.
It is law in all cities of Georgia that vehicle owners have to purchase auto insurance. If you are proven to be driving without car insurance, you can be subject to minor violations. The penalty could be imprisonment for up to 12 months, a fine of $200.00 to $1000.00, or even both.
To drive calmly and comfortably, get a car insurance quote that suits your financial condition right away. Make sure to always carry proof of your car insurance policy wherever you drive.
Daftar ISI
Factors Causing Expensive Car Insurance Atlanta
Many factors make insurance rates beyond control in Georgia. Let’s check some of the factors as follows:
1. Uninsured Drivers
The first factor that causes car insurance policy rates to be expensive is the relatively high number of uninsured drivers. Data shows that there are around 12% uninsured drivers in Georgia.
However, if uninsured drivers crash into your vehicle and damage your car or even injure you, you will get compensation. The compensation is from uninsured drivers so you don’t have to spend money from your personal pocket.
In order to get this protection, make sure the car insurance you buy provides uninsured drivers coverage. Usually, uninsured drivers are an optional type of coverage at some insurance companies in Georgia.
2. Dangerous Highways
The dangerous condition of highways in Georgia is also a factor causing high car insurance rates. Georgia also has a relatively high record of fatal car accidents, so insurance companies often get claims from policyholders.
By increasing insurance policy rates, insurance providers can provide compensation without making policyholders spend personal money.
3. Expensive Healthcare Expenses
In determining insurance policy rates, companies will also consider healthcare expenses. Healthcare expenses in Georgia are relatively more expensive, so this also makes insurance rates rise. While driving you may get into an accident, either due to personal negligence or the negligence of others.
Plus, natural factors such as bad weather can also cause accidents. As a result of this accident, you and other passengers may get bodily injuries, so you have to get treatment at the hospital. If you have car insurance, you can claim the medical expenses so the insurance company will pay for them.
4. Expensive Auto Repairs
Car insurance Atlanta is becoming more expensive due to expensive auto repairs. Even though in 2020 the cost of repairing cars in Georgian got better, the costs are still relatively expensive. To get car health care, you have to pay a lot of money, let alone the cost of repairing car damage after an accident.
Setting high rates is an anticipation made by insurers so they don’t go bankrupt when many policyholders make claims.
5. Severe Weather Risks
Generally, car insurance coverage will provide coverage if the car is damaged due to weather conditions. Georgia is a state that experiences frequent tornadoes, hurricanes, severe storms, and other natural disasters.
Knowing that this natural disaster has the potential to cause severe damage to cars, insurance companies also increase insurance rates. When bad weather occurs, surely many car insurance policyholders will make claims.
Hence, high policy rates will enable the company to survive in difficult times and can provide maximum protection to its customers.
6. High-Risk Vehicle Theft
Insurance companies in Georgia also frequently indemnify vehicles for theft cases. The relatively high rate of vehicle theft in Georgia has also forced insurance companies to raise insurance policy rates.
The higher the risk of vehicle theft, the higher the claim submission will be accepted by insurance. Consequently, insurance companies take precautions by imposing expensive rates. Furthermore, these are some of the affordable car insurance quote recommendations in Atlanta:
- Georgia Farm Bureau with monthly premium rates starting from $122 and $733 for a six-month policy.
- USAA offers monthly premium rates from $147 and $880 for six-month policies.
- Nationwide offers rates starting at $909 per six-month policy.
How to Save Money on Car Insurance Atlanta?
Even though car insurance rates in Atlanta are somewhat more expensive than in other states, you can make efforts to save money. Please try to apply the tips below to be more efficient:
1. Raising the Deductible
Every insurance policyholder is required to pay a deductible each time a claim is made. Considering that you only need to spend the deductible when making a claim, then you can increase the cost of the deductible if you want to get a premium rate.
To avoid paying the deductible frequently, it’s best to only make claims for large losses. If the loss is minor, it will be much more economical if you handle it yourself. However, consider your financial condition when increasing your deductible so you don’t have any difficulties later when you make a claim.
2. Bundle Your Policies
Almost all insurance companies usually offer home and auto insurance bundles. Only by buying one policy, you will get comprehensive coverage for your car and house. In fact, purchasing a bundle insurance policy can save up to 17%. Moreover, you also only need to pay one premium each month.
3. Shop Around
Another way you can do to save money is to shop around. Take some time to visit some of the insurance provider’s official websites and then fill in your personal data. Furthermore, the company will provide quotes and coverage offers based on the data you fill in.
If the premium difference offered is not too expensive but provides comprehensive coverage, then you can consider it even though it is a little more expensive.
4. Stay with the Same Insurer
Keep using the same insurance provider service to get a discount. Usually, the discount will apply when you renew the policy. The longer you become a customer of the same insurance company, the higher the discount you might get.
Do You Want to Get the Best Quotes for Car Insurance Atlanta?
To sum up, after reading the article above, you must understand the high risks that vehicle owners may experience. In addition, those risks are also a key factor that causes insurance policy prices in Atlanta to soar.However, you can still get a policy with an affordable offer if you are willing to shop around and apply the saving tips above. So, let’s get your quotes from car insurance Atlanta right away!
