Georgia state law requires insurance companies to offer at least a 10% discount to drivers aged 25 and older who have a clean driving record. Some auto insurance discounts are based on your driving habits, while others are available for vehicles with certain safety features. You can also demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage. There are several insurance cost estimators that can be used to factor insurance costs into decisions to purchase a new car.
Bodily injury liability insurance covers any injuries you accidentally cause with your car, while property damage liability coverage helps pay for any material assets you damage while driving, such as someone else's car or mailbox. 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). 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. And if you want to save money with the cheapest car insurance in Georgia, the lowest-cost policies are likely to be based on minimal coverage (or lower coverage amounts overall).
Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. One of the easiest ways to save money on your premiums is to qualify for car insurance discounts in Georgia. Just about anyone can get a discount on car insurance in Georgia because most insurance companies make it easy to get a variety of savings. While everyone loves saving money, choosing the cheapest car insurance you can find in Georgia doesn't always mean you'll have the coverage you really need in the event of an accident.
Once your car (or the vehicle it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three consecutive years with no accident reported during this period, you can receive a discount. Since 1983, all new cars have had passive restraint systems installed by default, and insurers have offered generous discounts on airbags and seatbelts for the driver's and front passenger's seats. 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. In addition, if the consumer really wants to purchase the technology beyond the opportunity to get a discount on car insurance, this small discount can serve as a license to justify the acquisition of the technology.
These are the most common discounts among insurers and represent a significant part of consumers' savings on auto insurance rates.