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Georgia drivers know they need car insurance, but they also know they don’t have to pay rates that are unaffordable. With more than 6.5 million drivers living in Georgia, there are numerous insurance options for anyone who needs to add it to their monthly expenses. The cost to insure your vehicle in the Peach State is around $1,300 per year, but that is affected by many outside influences. To find out how you can find the best rates, the best insurance, and the best policy for you, there are things you must know before you assign yourself to a car insurance company in Georgia.

The Best Insurance Companies for Cheap Rates

According to national statistics, Georgia residents have the best option to pay lower premiums for their car insurance by choosing specific companies. While it’s not true for all drivers in all situations, it’s true for many that these companies offer the best prices and the best policies.

  • Geico
  • USAA
  • Auto-Owners
  • Country
  • Encompass

Each of these companies is rated highly with their insured companies, and they all have features they offer to help you lower your rates. Some allow you to lower your rates if you buy a new car with more safety features, if you’ve been a long-time customer, and if you have a safe driving record. Others take more into consideration, and they want to know if you are someone worth insuring for less.

Driving Record and Credit

Insurance companies in Georgia take a gamble on insuring you. Your job is to be a safe driver and avoid needing to use your insurance for any reason. One way for insurance companies to tell if you’re an ideal candidate for this is to check your credit and your driving record. Good credit indicates you’re a good candidate to pay your bills on time and stay out of trouble. Bad credit means you probably struggle financially and might be a risk.

Your driving record tells the insurance company how you drive. Numerous tickets and accidents you’ve caused make you look like the least likely candidate for a cheap auto insurance policy. Auto insurance companies check your driving record in the most recent months, but your entire driving record is considered when it comes to choosing a policy price.

Age, Sex, and Marital Status

Many people might consider this discrimination, but it’s not. Businesses are not permitted to discriminate against people who come to work for them, whom they serve, and who they do business with, but insurance companies have the right. It’s because certain drivers are less likely to cause accidents than others. Typically, married couples receive lower rates. Additionally, young women are less expensive to insure. Older men are less expensive to insure than older women, so it does balance out in the long run. You can’t change many of these factors, but you can use them to gather an idea of what it might cost to insure you when the time is right.

Lowering Rates

You have the power to negotiate the cost of your insurance premium in Georgia. If you have a company already and you’ve been with them for a long time, it’s worth calling to see if they’re willing to work with you to lower your rate. If you have never made a late payment, you don’t have any accidents, and you’ve never used your policy with them, you have no reason to assume they will deny you this opportunity.

You can compare rates with numerous companies around the state, too. Each one is willing to consider your business as promising, and this means they’re willing to work with you. Compare rates, find the best policy for the least price, and go with that one. You’re in charge of what you pay.

Auto insurance isn’t fun to pay, but it’s one of the most necessary expenses in your life if you own a vehicle. Georgia residents have many options, but it’s important you know how to utilize those options to make the most of what you’re paying for your vehicle’s insurance. You want the best policy, and sometimes it’s not going to be the cheapest plan.