Cheap Auto Insurance for State Employees in Georgia

You have probably watched the commercials from insurers like The General, Allstate, and Liberty Mutual that say if you switch you’ll get the cheapest price, so drivers just need to choose the one with the best commercial, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns like if you have points on your license, your choice of liability limits, whether or not you own a home, and whether you are a new or experienced driver, that all have an effect on the price of a policy. This article goes into detail about some of these factors and will give you a good beginning to your quest for cheaper car insurance in Georgia.

We all like different vehicles, and the type of vehicle to be insured is a large factor that determines if you can find cheap auto insurance for state employees in Georgia. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The next lists features coverage costs for some of the most affordable automobiles to insure.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in garaging location in Georgia which can increase or decrease prices considerably.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific location information which can influence premiums substantially.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific garaging location which can impact auto insurance rates considerably.

For state workers, one of the big things that is used by auto insurance companies to calculate rate quotes is where you live in Georgia. Areas with more people like East Point, North Atlanta, and Mableton are more likely to have higher rates, whereas areas that tend to be more rural generally pay lower auto insurance rates.

The illustration below displays the most costly cities in Georgia for state employees to buy auto insurance in.

Price information shown is comparative as the specific zip code location can influence auto insurance rates substantially.

The information below illustrates how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for state employees. The price estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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A 30-year-old driver could cut expenses by $422 a year by changing from a $100 deductible to a $500 deductible, or save $638 by selecting a $1,000 deductible. Young drivers, like the 20-year-old example, have the ability to save $1,278 annually by using a higher deductible. When raising deductibles, it is necessary to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Find cheap auto insurance for state employees in Georgia

Here are a few penny-pinching suggestions that can help you quote cheap coverage.

• Improve your credit rating
• Buy your homeowners policy from the same company as your auto insurance
• Avoid at-fault accidents and claims
• Do not pay for comprehensive and collision coverage on older vehicles
• Buy a car with high safety ratings
• Shop around for cheaper prices often

That final tip is extremely valuable, as we emphasized in this piece. Auto insurance prices vary considerably, so drivers shouldn’t be resistant to buy a policy from a new company if a cheaper price is available.

Brand loyalty is great, but it isn’t a good idea if that devotedness results in you overpaying a wad of cash every year. Take a few minutes and compare rates to find cheaper car insurance for state employees.