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Cheap car insurance in Georgia is a realistic goal, mainly due to the fact that it is a rather cheap state in which to insure a vehicle. The average yearly premiums are nearly $200 less than the national average. If you live in Atlanta, expect to pay significantly more than the rest of the state, but otherwise, you can find really cheap coverage for your vehicle, especially if you take the time to learn a bit about car insurance in Georgia and ways in which to save money. The Cheapest Car Insurance in Georgia The cheapest policy you will find is one that only meets the state minimum requirements. The minimum requirement for car insurance in Georgia is liability coverage only. Limits of 25/50/25 are required to provide liability coverage of $25,000 (per person) and $50,000 (per accident) for bodily injury and $25,000 (per accident) of liability coverage for property damage. There is no requirement for uninsured motorist coverage, though you can purchase this beneficial coverage, rather cheaply, if you desire. Keep in mind that you may also have to satisfy the coverage requirements of your lender. This will usually entail insurance against collisions as well as theft, fire and vandalism. Controlling Risk for Cheap Car Insurance in Georgia The type of policy you purchase will have a great deal to do with how much you pay, but you must also control your risk factors to ensure that you will qualify for low rates even on a bare bones policy. Underwriters evaluate each customer to determine their risk to the company. While each company weighs risk differently, some of the most important considerations from company to company include: Age Driving record Gender Credit score Type of vehicle insured Age/mileage of vehicle Miles driven per week Type of driving Occupation Where vehicle is garaged In 2010, the average yearly cost of auto insurance in Georgia was $1,361 compared to the national average of $1,538. By understanding the risk factors above and shopping around, you can push your rates even lower. Take Advantage of Discounts for Ultra Cheap Car Insurance in Georgia Taking care of your risk factors is a good way to reduce your auto insurance rates, but you also want to take advantage of the discounts offered by insurance providers. Here are a few of the most common discounts offered by Georgia auto insurance providers. Purchase homeowners policy along with auto policy Insure recreational vehicles and/or boats with auto insurer If a student, get good grades Take a defensive driving course Securing your vehicle is also critically important for residents of Georgia. Georgia, along with some of its neighboring states year in and year out are tops in the nation in vehicle thefts. Georgia itself accounts for about 9 percent of all vehicle thefts in the United States. To save some money consider an anti-theft device or alarm system as well as services such as OnStar. Finally, if at all possible, park your vehicle in your garage and not on the street. Resources to Help You Find Cheap Car Insurance in Georgia Shopping for auto insurance becomes much easier if you have tools at your disposal. Luckily, you do have these tools to give you information about Georgia auto insurance regulations and information regarding insurance providers. Georgia Office of Insurance and Safety Fire Commissioner Georgia.gov JD Power and Associates Moody's Local Georgia Better Business Bureau These are great resources to learn about Georgia auto insurance and to pick the best company and policy for you. JD Power and Associates provides ratings of insurance providers. Moody's provides you with financial stability information of prospective insurers. The two Georgia government site provides regulation, lets you search for car insurance agents and allows you to compare rates. And, as always, before making a major purchase, you should check with your local BBB to get the low down on prospective companies. Cheap car insurance in Georgia can be high-quality insurance. One final resource that you may also not be aware of, but can be incredibly helpful, is online rate quotes. You will never know if you are getting the cheapest rates available if you don't compare rates. Rate quotes are free and easy to obtain. They allow you to compare the rates of the top auto insurance companies in Georgia so you can get the best deal. For more information on how to save money and to gather rate quotes on your own, take a look at this article [http://www.cheapcarinsuranceingeorgia.com/]. Article Source: http://EzineArticles.com/expert/Steven_W_Mitchell/826401 Article Source: http://EzineArticles.com/5632490

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