Nationwide and Geico offer the best car insurance for seniors looking for affordable rates in Georgia. Older drivers should also find out if there are any discounts for taking a defensive driving class. When buying cheap car insurance, Georgia drivers can consider how much coverage they need. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
In addition to looking for cheap insurance, Georgia drivers can also get lower rates by taking advantage of discounts on car insurance. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age. And if another driver crashes into your car, you can file a claim against their liability insurance or sue them for your own damages and injuries.
In addition to your driving history, previous claims and vehicle model, auto insurance companies in Georgia can use these factors in their rates. Insurance experts often suggest getting quotes from several car insurance companies for the same types and amounts of coverage to find the best affordable rates. Drivers who are unable to purchase auto insurance in Georgia on the free market due to driving under the influence of alcohol, bad credit, or other reasons can apply for coverage through the Georgia Auto Insurance Plan. Drivers involved in an at-fault accident often see a significant increase in their insurance rates, unless you earned or purchased an accidental waiver from your insurance company for the first at-fault collision.
The Georgia Insurance Office is responsible for monitoring insurance companies and dealing with consumer complaints.