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Cheapest Car Insurance

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Finding the Cheapest Car Insurance in Georgia

No matter where you live in Georgia, either the big city of Atlanta or the sandy shores of Savannah, you probably want to find the cheapest car insurance in Georgia. Few people have a lot of money to spend toward insuring their cars. If you don’t know much about car insurance in general, it helps to learn what factors influence your car insurance premiums. While there are a lot of factors that are completely out of your control, there are other things you can control that can give you the best shot at finding the cheapest car insurance in GA.

Especially if you do not understand what liability limits are, the numbers you see when you look for the cheapest car insurance in Georgia may seem confusing. The abbreviation for this set of limits is 15/30/10 and it means that the state of Georgia requires you to have at least $15,000 in bodily injury liability coverage for individuals and at least $30,000 in bodily injury liability coverage for the entire accident. This same regulation requires that you have at least $10,000 in property damage liability coverage as well. More important even than having the cheapest car insurance in Georgia is to meet these requirements so you can drive legally.

Now that you know what the minimum coverage requirements are, you can start focusing on the factors you can control more easily. One of the choices that affects whether or not you get the cheapest car insurance in Georgia is what sort of deductible you decide to use. The minimum deductible offered by most car insurance companies is $250, but this choice results in an expensive premium. The higher your deductible, the greater the possibility you have for getting the cheapest car insurance in Georgia. Although you have some amount of choice with your deductible, make sure you have all of the information.

If you lease your car or if you are still making payments to a finance company, they may have requirements as to what your deductible must be. Sometimes you can raise your deductible as high as $750, although a $500 deductible is more common. Although you are looking for the cheapest car insurance in Georgia, keep in mind that $750 can be a large amount of money to come up with at one time if you have an accident. The cheapest car insurance in Georgia may not be cost effective if you do not have an emergency fund for the deductible if you have an accident.

Keep in mind all of the various factors that can influence what makes the cheapest car insurance in Georgia for you. Some decisions may be more effective for someone in a different situation than yours. If one of the decisions means that you would be paying more money elsewhere, you may need to reevaluate your needs as far as car insurance goes. With the right decisions, you can get what is truly the best and the cheapest car insurance in Georgia for you and for your car.