Auto Insurance

Frequently Asked Questions About Car Insurance

How can I lower my car insurance rate in Georgia?

There are several ways to lower your car insurance rate in Georgia:

Shop around for the best auto insurance rates.

Car insurance quotes can vary significantly among insurance companies, so it's important to compare quotes from multiple insurers to find the best rate. The Hamilton Agency provides car insurance quotes from many providers to make sure that you get the best insurance coverage and insurance rate.

Raise your deductible.

A higher deductible means you'll pay more out of pocket in the event of a claim, but it can also lower your premiums. Just make sure you can afford the deductible if you do need to make a claim. When choosing car insurance, one of the main factors to consider is how much coverage you need in addition to the minimum coverage requirement.

Consider multi-product discounts.

Many insurance companies offer discounts if you purchase multiple policies, such as home and auto insurance.

Maintain a good driving history.

Having a clean driving record can help you qualify for lower rates. Insurance companies look closely at your driving record to determine the risks. If you are a young driver, a good student discount can assist with the premiums.

Take a defensive driving course.

Some insurers offer discounts to drivers who complete an approved defensive driving course. Insurance coverage and auto insurance rates vary based on driving history.

Drive a car with safety features.

Cars equipped with safety features, such as anti-lock brakes, airbags and anti-theft devices, can qualify for lower rates.

Consider dropping car insurance coverage on an older car.

If your car is older and its value has significantly depreciated, you may want to consider dropping comprehensive and collision coverage to save money.

Pay your auto insurance premiums in full.‍

Many insurers offer discounts to customers who pay their premiums upfront in full.

Evaluate comprehensive coverage.

Comprehensive coverage pays for property damage that does not involve a collision. Comprehensive insurance coverage protects against non-collision events, such as theft, scratches and fire damage. At the Hamilton Agency, your agent will review all of these areas with you so that you can get the best cost and be properly insured.

Before making any changes to your insurance policy, it's important to talk to your agent to review your coverage and consider how any changes in insurance may affect your overall financial situation.

What factors affect my car insurance rate?

Your age, vehicle make and model, ZIP code, marital status and driving history are common contributing factors to car insurance rates in Georgia.

What is Georgia's minimum auto insurance coverage requirement?

In Georgia, the minimum auto insurance coverage required by law is:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident

This is often referred to as "25/50/25" coverage. Bodily injury coverage helps pay for medical bills, expenses, lost wages and other costs if you cause an accident that injures someone else. Property damage liability coverage helps pay for any damage you cause to another person's property, such as their automobile or fence.

The minimum liability coverage requirements may not be enough to fully protect you in the event of a car accident. The Hamilton Agency can assist you in picking the best coverage for your situation. You may want to consider purchasing higher limits of liability coverage as well as additional types of coverage, such as collision, comprehensive and uninsured/underinsured motorist coverage.

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Frequently Asked Questions About Car Insurance

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