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Atlanta Car Insurance

Atlanta car insurance is mandatory for all drivers no matter their age or type of automobile. To find cheap Atlanta Georgia auto insurance you want to start your search early and make sure you compare multiple companies. Using the Internet is the fastest and easiest way to compare coverage options and companies so you can find the best insurance premium rate available.

"Every day is an opening day" in Atlanta, Georgia. The state capital is a hotspot for tourism, business, recreation, sporting activities, live music and much more. There is plenty to see and do in Hotlanta from major league sporting events to historic tours. Atlanta has mass transit and sidewalks if you want to go by foot, but if you want to take your own vehicle make sure you have adequate insurance.

Atlanta, Georgia is the largest city in the state with a population over 535,000. Home of the Atlanta Braves, Falcons, Thrashers, and Hawks it is a sports fan favorite. It is also home to some of the top businesses in the nation including the Coca-Cola Company, Home Depot, UPS, AT&T Mobility, Georgia-Pacific and Delta Air Lines. In the combined metro area there are over five million residents enjoying the benefits of either living in or nearby Atlanta. People can easily come and go thanks to Hartsfield-Jackson Atlanta International Airport, the world's busiest airport that can take a resident anywhere he or she wants to go.

No matter where you go, you want to make sure you have the coverage that will keep you and your loved ones protected. Atlanta Georgia car insurance follows the same requirement as the rest of the state of Georgia. The minimum amount of car insurance a driver is supposed to carry is $25,000 per person and up to $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Bodily injury liability covers medical costs and loss of wages. Property damage liability covers damages to structures other than a car like a house or commercial business. Liability only covers the costs if you are found to be at fault for the accident because Georgia follows a Tort system. Whichever driver is found to be at fault will have their Atlanta Georgia car insurance company charged.

The state of Georgia's average auto insurance premium averaged $1,619 for 2009, which is still below the national average of $1,794. The state of Georgia is historically one of the cheaper states for car insurance but has seen increases in their premium rates. Shopping around and comparing coverage options and companies will help you find the best Atlanta Georgia car insurance rate on the Internet. By maintaining Atlanta Georgia automobile insurance, you will keep your car protected so you can be on the road as much as you want safely and legally.

Picking Coverage

Given the population of the city and the fact that there were 57 fatal crashes during 2007 in Atlanta, Georgia, with over 200 people and 83 cars involved in these accidents, you want to make sure you have adequate coverage. There are plenty of cars in the metro area so drivers must be aware at all times. If you have the right Atlanta Georgia car insurance coverage, you will have peace of mind no matter how many cars you encounter on the busy surface streets, highways or interstate. But which coverage is the right coverage for you? Well, if your car is paid off and you can get by just on liability coverage, then that may be the best option. However, if your car is still being financed you may have to purchase additional coverage.

If you do choose to go with bodily injury and property damage liability, you may want to look into personal injury protection as well. As opposed to the first two forms of liability, personal injury protection will help cover your medical costs and loss of wages. Other forms of additional coverage include collision, comprehensive and uninsured/underinsured motorist protection.

Collision Atlanta Georgia car insurance covers damages caused by being involved in an accident with another car. Comprehensive goes further to protect against weather damage, theft, vandalism and even fire. There were over 7,000 auto thefts in the metro Atlanta area in 2007 so theft protection is a good choice for additional coverage. Another good choice is uninsured/underinsured motorist protection. Even though having Atlanta Georgia vehicle insurance is required by law there are still drivers who do not carry any insurance at all. There are also those who do not have adequate coverage to cover your costs. To avoid paying out of pocket for repairs this insurance, along with collision and comprehensive, can be used even if you are not found to be at fault for the accident.

While searching online it is easy to compare different coverage options and see how that will affect your Atlanta Georgia car insurance premium rate. Remember you do not want to get stuck paying for coverage you will never use and there is no such thing as "full" coverage. On the other hand, you want to make sure you, your car, and your medical costs will be covered in the event of a car accident.

Lowering Your Premium

When you look at your Atlanta Georgia vehicle insurance premium rate online, you are actually seeing how the insurance company views you in term of a risk. A rate is based on several variables including location, age, and gender, type of car, education and driving record. Since you are in a large city, like Atlanta, then you will probably pay a higher premium rate than someone who drives in a more rural area. Also, younger drivers and male drivers will more than likely have a higher Atlanta Georgia auto insurance rate. You can do things to curb these factors however. For example, taking driver's education and defensive driving courses can improve your risk standing. In addition, if you are a younger driver you may want to consider less coverage or being added onto a policy of an older adult such as a parent or guardian.

By having good grades or a college diploma, you may be allowed to receive discounts on your Atlanta Georgia automobile insurance policy. Alternatively, if you combine policies, such as home and medical, that can be another discount as is adding more than one car to your policy. The type of car is a big factor, as the more expensive it is the more expensive it may be to repair. While Atlanta car insurance companies look at the initial value of the car, if your car is totaled you will only be reimbursed for the blue book value. Sports utility vehicles and sport cars are among the highest to insure but that does not mean you should not get your dream car just because of premium rates. Some insurance companies give new automobile discounts and safety feature discounts so while you are researching coverage make sure you look into the company as well to see what you apply for. Start your search for Atlanta Georgia car insurance at least one month before your current policy expires. Using this web site is fast and convenient so you can find the cheapest rate.

 

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