Cheap Auto Insurance in Athens, GA

Do you need auto insurance in Athens? At CheapCarInsuranceinc.com, you can get the very best insurance rates in your city. To acquire free car insurance quotes from the top rated providers today, provide your zip code into the quote box on this page.

Athens is known as a college town and has been the home to the University of Georgia since 1785. It was also home to a large industry of cotton mills back in the early 1800’s. Popular businesses in Athens include the publishing house Hill Street Press and a small tourism industry. Athens also has a vibrant art and culture scene.

Fun fact: Did you know that Athens is #1 on the list of “Top 50 cities with greatest precentage of females in occupations: Entertainers and performers, sports, and related workers (population 50,000+)”? Learn more about Athens.

Coverage Requirements - Auto Insurance in Athens Georgia

Legally driving in Georgia requires the following minimum forms of coverage:

Coverage	Requirements	Most Common
Liability Bodily Injury	25,500/50,500	105,000/305,000
Liability Property Damage	30,000	60,000
Bodily Injury - Motorist Uninsured	Not required	30,000/55,000
Not required Coverage	Medical Payments Coverage	5,000
Collision Coverage	Not required Coverage	700 Insurance deductible
Comprehensive Coverage	Not required Insurance	300 deductible

While purchasing the minimum legal requirement for auto coverage might seem like the better deal, beware the allure of a cheaper insurance policy with less coverage. With Liability coverage, for example, your insurer will only pay out claims if you are responsible for the accident or incident which damaged your vehicle. Should your car be damaged by any other means, you’re on your own.

Your average driver in Georgia is probably forking out around $183 monthly for their auto insurance policy right now. But Athens drivers have the chance to drive legally for as low as $36/mo*! If you want to learn now to lower your rate, just keep reading.

The top 3 lowest rates in Athens come from providers such as Allied, The Geico, and Hartford. But does a lower rate automatically make them the best company? There are other elements to consider, such as customer service and the claims filing process, before you decide which company gets your business.

Auto insurance companies contemplate various elements when assessing insurance quotes, including marital status, occupation, education, your driving record, and theft protection devices. Also keep in mind that premiums change from company to company. To make sure you’re still forking out the most affordable rate, learn more about Georgia auto insurance requirements here.

Most Car Insurance Facts to know in Athens GA

There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take in order to influence which discounts you are eligible to acquire. Listed here are a few of these elements in greater detail:

Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Athens is 85,116 and the median household income is $27,723.

Automobile Accidents

Athens is a fairly safe place to drive, based on accident statistics. Most recent statistical data recorded only 7 traffic accident Deadlyities back in 2012. This is well below the national average, which means that insurance providers are much more likely to charge lower rates in the area.

Car Thieving in Athens

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. Even though the statistics on Athens auto theft might make it seem unlikely, taking the necessary precautions to protect your vehicle will likely save you money on car insurance. For example, you could install a passive anti-theft device or a GPS tracking system, or adding Comprehensive coverage to your policy.

Your Credit Score

The secret is out: your credit score can have a significant influence on how expensive (or inexpensive) your monthly premiums will be. As demonstrated in the chart below, having poor credit can increase your rate between 100-200% or more, depending on your insurance company (As well as other elements).

Your Age

The less experience you have behind the wheel, the more likely you are to get into an accident. Insurance companies have decades of data proving this unfortunate fact. And if you are more likely to get into an accident, your insurance company will protect itself against that risk by charging you higher rates, as you can see in the chart below.

Your Driving Record

A speeding ticket here, a fender-bender there, and they can really pile up when it comes to insurance premiums. Luckily, providers have started offering Accident Forgiveness discounts for drivers with one or more minor violations. However, this forgiveness policy is less likely to apply to significant violations, such as DUI or Reckless Driving.

Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.

Minor Car Insurance elements in Athens

Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some significant savings. And if you have other forms of insurance – such as homeowners, or renters insurance – you can save even more by bundling those as well.

Your Gender

For most insurance providers, there is little more than a 1-3% difference in rates between men and women – if they charge a different rate at all. In the grand scheme of things, all other elements being equal, your gender doesn’t make it immensely more or less likely to get into an accident.

Your Driving Distance to Work

The average commute for a worker in Athens can last anywhere from 16-24 minutes. The majority of workers also prefer to drive their own car in to work, while a smaller number of drivers prefer to carpool with co-workers.

Some insurers want to make a big deal out of how many miles you drive yearly, or why you’re driving (work/school vs. recreation). But in truth, unless you’re driving a business vehicle (which can see rate hikes as high as 10%) or more, your reason or distance won’t drastically alter your rate.

Your Coverage and Deductibles

Of course, there are ways to save on your monthly premiums while increasing the amount of coverage you can purchase. By contacting your provider and raising your deductible, you can lower your monthly payments. But this means that your upfront expenses will be higher if you do have to file a claim.

Education in Athens, GA

The largest amount of drivers in Athens have earned a bachelor’s degree, while a slammer percentage have a high school diploma. Those who have a higher education typically get offered better insurance rates from their providers even if they don’t have an important job or a high-forking out salary.

Since Athens is a college town, the University of Georgia takes center stage as the prime center for higher education in the area. In addition to being a primary research university, it was also the first college in the US to be chartered by its home state. For a more specialized degree, you can also look into the Athens Technical College.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.