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Columbus Car Insurance

Make sure you have Columbus car insurance to keep you legal regardless of where you decide to travel. Finding Columbus auto insurance is not hard thanks to the Internet. By shopping online, you can compare multiple coverage plans from several insurance companies all at once who offer the lowest premiums for Columbus car insurance.

A mix of city life and rural living is what Columbus, Georgia has to offer both residents and visitors. Located in south Georgia about 100 miles south of Atlanta, the Columbus metro area has a population of over 280,000 people. That number grows even more when you add the Auburn Alabama metro area to the equation, which gives them a population of well over 440,000 people, making Columbus the third largest city in the state of Georgia and the 120th largest city in the United States. Thanks to its size and standing in the state of Georgia, Columbus has plenty of attractions, top schools and businesses. Drivers can enjoy a scenic route on country roads or the convenience of the interstate.

Once you have Columbus car insurance you can safely travel anywhere in the city and state. Located near the Chattahoochee River, Columbus, Georgia is home to Fort Benning where American soldiers are stationed and trained. Fort Benning is also its major employer. The Armed Forces receive major attention from the city with the National Infantry Museum and the National Civil War Naval Museum, which features two original American Civil War military vessels and is the only Civil War museum that tells the story from both the Union and Confederate side. Other attractions include the Coca-Cola Space Science Center, which offers seven flight simulators and education if science, physics and astronomy.

If you are looking for entertaining things to do in Columbus, Georgia you are in luck. Home to the Georgia Slashers, a member of the United National Gridiron League, you can catch a game at A.J. McClung Memorial Stadium. Columbus Civic Center is a 10,000 seat multi-purpose arena that hosts the Columbus Lions football team and Cottonmouths hockey team. The civic center is also used for concerts. Minor league baseball team the Wood Bats play at Golden Park where fans can enjoy this American pastime in an intimate 5,000-seating field. The Arts are important to the city, which is why they opened the RiverCenter for Performing Arts in 2002, which allows Columbus State University a place to hold their productions. Springer Opera House is situated in the historic downtown district and has been open and running since 1871.

Having Columbus car insurance is important. Not only is it mandated by state law, but also it is the smart decision to make. Purchasing a car is making an investment and you want to make sure you protect that investment. By starting a month or two, before your current Columbus Georgia vehicle insurance policy expires you will give yourself plenty of time to find the lowest car insurance premium rates available. Make sure you discuss your coverage options with an agent and research the insurance company itself to see what types of plans and discounts they have to offer.

Choosing the Right Coverage

Columbus is an active city where on average resident travel almost 20 miles from work to home. In 2007, there were 23 fatal car crashes, which involved 51 people and 28 cars. There were also over 1,700 auto thefts that year. So making sure you have Columbus car insurance is important. You want to find the coverage plan that fits your driving style, car type and your budgetary needs.

The state of Georgia mandates that each driver carry bodily injury liability coverage on their car in the amount of $25,000 per person and up to $50,000 per accident and $25,000 per accident in property damage liability. Bodily injury liability covers medical costs and loss of wages for the driver and/or occupants in the vehicle not found to be at fault for the accident. Property damage liability covers costs of damages to structures other than a car such as a house or commercial building. Since Georgia uses a tort system, only one driver is found to be at fault for the accident. That driver will then in turn have his or her Columbus car insurance charged for the cost. These two forms of liability will not cover you or your occupants personally. They will also not cover damages to your vehicle [1].

Purchasing additional insurance coverage may be necessary if your car is still being financed. Collision, comprehensive and uninsured/underinsured motorist protection are three main types of additional Columbus car insurance options. Collision handles costs related to your car being involved in a car accident. Comprehensive is a little more in depth handling costs related to weather damage, broken glass, auto theft and even vandalism of your car. Uninsured/underinsured motorist protection may be the most helpful option when it comes to Columbus Georgia automobile insurance. Even though it is required by law, there are still some drivers who do not carry any Columbus car insurance at all. There are also those that will not have adequate car insurance coverage to cover your entire medical and repair costs. By having this form of insurance coverage, you will be able to have your costs covered no matter who is found to be at fault for the accident. This will help you avoid out of pocket expenses and the hassle of haggling with the other driver's insurance company.

Finding a Lower Premium

Going shopping for Columbus auto insurance does not have to be a hassle. By giving yourself ample time before your current insurance policy ends, you should be able to find a premium rate lower than your existing plan. Researching the insurance company itself is a good decision to make. There are hundreds of Columbus car insurance companies to choose from and you want to find the one that is right for you. Make sure you look at their customer service, how they handle claims, and their discount options. Some Columbus car insurance companies for instance charge a high premium to insure new cars, while other companies offer a new car discount thanks to car safety features.

Once you find the right company, it will rank you based on the amount of risk they believe you to be. This risk is determined by a number of factors including age, gender, type of automobile and driving record. While there is little to do about most of these, you should still be aware of how you are affected. Younger drivers typically pay higher premiums because of their lack of experience on the road. However, taking a driver's education course and limiting the amount of night time driving and passengers can help a young driver receive a better premium. Male drivers are usually involved in more accidents than women are so they may in turn have a higher premium. The same goes for city drivers versus rural drivers.

You can improve your driving record by taking a defensive driving course that has been approved by the state and/or your insurance company. Doing all you can on your end will result in the lowest Columbus automobile insurance premium.

[1] http://www.autosinfo.com/insurance/state/Georgia

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