State law requires insurance companies to offer discounts to older drivers who complete an approved defensive driving course. New State Farm customers receive this discount when they haven't committed traffic violations or accidents because of them for 3 years or more. These are the most common discounts among insurers and represent a significant part of consumers' savings on auto insurance rates. There are several insurance cost estimators that can be used to factor insurance costs into decisions to purchase a new car.
Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates. There's no such thing as a “hidden discount” on car insurance, but that doesn't mean you get all the discounts you should get on your policy. For example, Progressive auto insurance discounts for loyal customers vary depending on how long you've had insurance and how long you've been with Progressive. Nearly all insurance companies offer package discounts to reward customers who keep all of their insurance policies with the same provider.
You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Georgia, including fines and the suspension of your license and registration. Auto insurance in Georgia is expensive because the state gave insurers the right to increase rates on certain types of coverage without the approval of the state insurance commissioner. Insurance companies in Georgia typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. You could save up to 20% or more with a customer loyalty discount, but staying loyal to an auto insurance company can also cost you money in the long run.
Most insurers require that all vehicles in the same policy be owned by people related by blood or marriage, but in some cases, insurers also accept roommates who are not relatives in exchange for discounts on several cars (since they can own or drive the vehicles together). There are several unique reasons why car insurance is also increasing every year in Georgia, even if your details remain the same. Additional savings are available if you have other State Farm insurance products, such as homeowners, renters, condo or life insurance, in addition to vehicle insurance. Some insurers offer discounts for homeowners even if the policyholder hasn't taken out home insurance with them.
For example, Allstate offers discounts for new cars if the driver is the first owner of the car and the vehicle is a current model from the year or a previous year. Comparing car insurance prices allows you to see if the rates and discounts offered by your current insurer are the best.