Get The Best Georgia Car Insurance Rates
Reader’s Question:
I moved from Alabama to Georgia and my car insurance rates increased! Why?
Henry
Atlanta GA
The state of Georgia and Alabama have both the same basic coverage of minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and a minimum limit of $25,000 for Property Damage Liability per accident.
There are several reasons for Alabama and Georgia car insurance rates variations. The first is that there are more population and drivers in the state of Georgia. Alabama had a population of a little over 4.6 million in 2007 while in Georgia they’d a population of 9.5 million. Because of the bigger population, so that means there are more accidents, especially fatalities, in GA than in AL.
The increase in Georgia car insurance rates may be due to the area that you live in. Car insurance is much more costly in cities due to the higher density of traffic, greater probability of theft and vandalism, and higher occurrence of fraud. When you relocated from a more countryside area of AL to a city area of GA your Car insurance rates would increase in part.
It’s been reported lately that there was a sudden increase in Georgia car insurance rates. Car insurance premiums have increased nearly seven percent on average because of new law that doesn’t demand insurance providers to have state approval before modifying car insurance rates.
Although some insurance providers in Georgia have increased their car insurance rates you may still find some auto insurance companies who’ve not changed their underwriting standards and premium rates. Additionally, some insurance providers have only minimally increased their car insurance rates while some have gone for that optimum car insurance rate increase. For this reason in Georgia you should look around for the best Georgia car insurance rates possible.
How To Lower Atlanta Car Insurance Rates
I found this video on YouTube earlier today. The man in here is talking about discounts for driving less, and this is definitely a good example of a Atlanta car insurance discounts. Most companies, and I could probably say all companies without risk, offer the low mileage discount, although not all companies consider ‘low’ to be the same thing. While some Atlanta car insurance companies will require five thousand miles a year or less for you to be able to qualify for the discount, others only require that you drive fewer than forty miles each day. I know that second sort wouldn’t be hard for me to live up to, but I suppose it depends on what part of Atlanta you live in, whether you’re closer in or further out.
Still, for many people those thresholds are extremely low, and they couldn’t imagine driving so little each year, especially when they work every day. If you try hard enough, however, most people can do it, and even if you can’t get low enough for the Atlanta car insurance discount for low mileage, driving fewer miles will still lower your rates.
- Car pooling.
Probably the cheapest way to cut your driving is to carpool to work instead of driving your own car every day. If you take turns with different friends and co workers, then you can also avoid chipping in on gas, so long as everybody is contributing the same amount in regards to driving.
- MARTA.
Okay, nobody likes it, but MARTA, Atlanta’s bus system, is also an option. Even if you have to drive to a park and ride to go into town, you’ll still save a lot of gas and thus some money on your Atlanta car insurance premium. The downside is that it takes a long time, and doesn’t go everywhere you need it to go. You could end up doing a lot of walking, but hey, that’s good for your health.
- Riding your bike.
This isn’t an option for all jobs, but it is for many. If you have to wear a suit to work, for example, then you might feel a little silly pedaling down the road. It also only works if your job is close enough. If you’re a little out of shape, then this is both a good way to lose weight and save a little on your Atlanta GA car insurance.
- Become a hermit.
The absolute best way to save money on your Atlanta car insurance premium through the low mileage discount is to stop driving. Not period when necessary, but whenever you don’t need to. Limit your outings, walk more. If you need to do errands, do them all on one trip and plan out your schedule so that you spend the fewest miles.
RAISE Your deductible amount, that is the easiest way for you to save a considerable amount of money in the long term on insurance premiums.
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