It's against the law to drive without liability insurance in Georgia.
Although just purchasing the bare minimum required insurance levels of $25,000 per person per accident, $50,000 for all persons per accident and $25,000 property damage is the best way to save money and get discount automobile insurance in Georgia, it may not give you the coverage you feel comfortable with.
This is particularly true if you are driving a newer vehicle and the cost to replace it wouldn't be in your budget.
If you want to get quality insurance at a discount price in Georgia, consider taking advantage of these common premium reductions: oIncrease the deductible on the policy.
The deductible is the amount you are expected to pay before the coverage will be effective when you need to make a claim.
Raising the deductible to $1,000 will often significantly lower your premiums.
You do want to be certain you can afford to pay the deductible outright if you are in a collision, so putting that amount away in an interest earning account is always a great idea.
oWalk, bike and carpool more.
Many insurance companies offer a discounted rate to clients who drive less than a certain number of miles each year.
If you work or go to school within walking distance of your home or if you can take public transportation there, you'll not only save on car insurance costs but on vehicle maintenance costs too.
oClean the clutter out of your garage so you can park there.
If you have access to a locked garage at night, your insurance company will often give you a discount based on that.
Obviously there is a smaller chance of vehicle vandalism or theft when your automobile is locked away.
There are always ways to lower your insurance costs by taking advantage of premium discounts.
It never fails though, that the best approach to saving money on automobile insurance is by being a conscientious and safe driver.