Driver discounts are available for Georgia residents whose insurance is lower, such as those with a clean driving record. An inexperienced driver with their own policy is risky for an auto insurance company, while being added to an existing policy with experienced drivers is considered lower risk. Adding a young driver to your car insurance policy can increase costs even more than if you had an accident, were fined for speeding, or were arrested for driving while intoxicated. The best student discounts on car insurance are the discount for good students and the discount for students away from home.
You can get discounts on car insurance in Georgia depending on how you drive, the car you own, and your relationship with your insurance company. 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. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. The most common types of student auto insurance discounts include the good student discount, the discount for students away from home, and your child's enrollment in an approved driver training program.
However, drivers who have an accident waiver from the USAA won't see their auto insurance rates go up at all after their first accident in 5 years. There are several unique reasons why car insurance is also increasing every year in Georgia, even if your details remain the same. 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. Ask your insurance company or agent about discounts on auto insurance and be sure to maximize any savings you can.
Insurance companies in Georgia typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. You'll receive another discount simply for owning a home, even if your home isn't insured through Progressive's network of home insurance companies. What an insurance company considers a “good student” varies, but it can be a great way to save money on your car insurance costs. A young driver who takes out their own auto insurance policy is likely to cost more than parents to add it to an existing policy.
With so many options for car insurance companies, it can be difficult to know where to start to find the right car insurance.