Automobile coverage gives you peace of mind because it helps you recover financially if something happens. Your state of mind also depends on whether or not you feel you can afford that auto coverage policy. The tricky part for most people is finding the balance between a policy that offers the protection you need and want, plus comes in at a price you can afford. Everybody wants to pay less for their policy. Car collisions can happen in any place and at any time.. Helping you understand the type of auto insurance in Georgia that’s right for you is a specialty of Velox.

There are five major types of car coverage. Some are required by law and some offer added protection. Keep reading to understand how our cheap car insurance options will benefit you.

You may believe you pay too much for car insurance in Georgia, but compared to drivers in some other states, Georgia’s average cost is low. For example, the state-required minimum coverage here averages $867 annually. Just one state away in Florida, drivers pay an average of $1,094 annually for their basic coverage.

Georgians pay on average $2,554 annually for full coverage, a more enhanced package of first-party protections, while Floridians are burdened with $3,467 annually for the same policy. The national average cost is $640 for the minimum and $2,311 for full.

Every driver will have a different cost, since policy pricing is based heavily on individual factors, such as age, gender, driving history (or lack thereof), type of vehicle, zip code and much more. If you live in an area prone to congestion, accidents and higher crime, your rates will be higher. For example, drivers in Atlanta pay on average 12% more than the state average, while those residing in Augusta pay on average 10% less.

There are several ways to lessen the burden of car insurance costs. Finding lower car insurance premiums in Georgia consists of understanding how auto policy discounts work, and deciding on policy values, such as deductible levels and policy limits.

How Do Car Insurance Discounts Work?

Car policy discounts decrease the total of your premium by applying savings based on your individual factors. There are many types of car insurance discounts, including ones for safe driving, customer loyalty and more.

Understanding Deductibles and Policy Limits

Some types of car policies require a deductible, which is the amount of money you agree to pay as part of a claim. The higher your deductible, the lower your premium. For example, if you choose a $500 deductible, you’ll pay that amount and your insurer will cover the rest up to your policy limit or the ACV of your vehicle. You can lower your car insurance by increasing your deductible.

With the required liability coverage in Georgia, you must carry:

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

Your insurer will pay these amounts to others if you cause an accident and your claim is approved. However, many Georgia drivers feel like this is not enough coverage. For example, if you hydroplane and smash into someone’s new car, your property damage liability may be more than $25,000. The rest will come out of your pocket unless you increase your limits. Increasing your limits will raise your policy premium.

Understanding how much you need and how much you are required to have and the benefits and pitfalls of each are things you must consider when shopping for car insurance.

Just as when you buy any big ticket item, you’ll want to shop and compare prices to find the best deal. The same is true for your car coverage policy. Shopping around and comparing costs is one of the best ways to lower your car insurance.

Keep in mind you’ll want to compare apples to apples. That is, make a list of what you want and use the same list across insurers. You may include things like policy limits, deductible amounts, types of coverage and more. Just a note, independent agents like the ones at Velox will be happy to do this research for you with no obligation.

In addition, look for companies with a high star rating from consumers just like you. Cheap is good, but you still want a company that will be there for you when you need it most.

Your first step toward affordable car insurance in Georgia is requesting a quote. Call 855-468-3569 to talk to our agents over the phone, visit an office near you, or request a quote online. Whichever way you contact us, it’s helpful to have the following information ready:

• Vehicle identification number
• The driver’s license numbers of the people who will be driving the car
• Brand, model, and year of your car
• The location where your car is garaged
• Your credit or savings account information
• Your current auto insurance georgia policy, if you have one
• Your driving history (e.g., accidents, violations, and so on)
• Information on your car’s loan or lease
• Your social security number
• Accessories installed in your car

Our agents will evaluate this information to help determine what type of coverage best suits your needs and tailor a policy to your situation. Generally, our policies follow your car. Unless you have specifically excluded someone from your Georgia policy, anyone who has implied permission to drive your car—for example, a family member or a friend—will be covered by the policy when they use your vehicle.

If you do get in an automobile accident, make sure to collect police reports, witness statements, and vehicle license plate numbers for your insurer. Velox will take care of the rest.

Founded in 2003, Velox understands the needs of Georgia drivers. With experienced agents who live and work in the same communities as their customers, Velox puts an emphasis on customer satisfaction. We’ve helped thousands of Georgia residents find affordable auto insurance that meets their needs.

Our goal is to provide the best service possible at the lowest cost to you.

Get Affordable Vehicle Coverage

We have a commitment to providing low-cost coverage that comes with value. Our friendly and highly trained agents will help you decide what coverage you need and how to find a policy that fits into your budget. We listen to you so you can feel confident we are working for you.

Easy and Convenient Online Shopping

Your time is valuable and there are more fun things to do than spend a day comparing auto policy quotes. That’s one of our promises to you. We’ll listen to what you need and what you want to pay and do the research for you. Then, we’ll present you with the best options so you can pick the one you like.

Customized Insurance Options

Insurance policies shouldn’t be one-size-fits-all. Every single driver has unique and specific factors that should drive how their policy is structured and what it costs. If you need personal service geared towards your situation, let us find the perfect customized solution for you.

Our agents will work closely with you to protect your most valuable assets by finding the appropriate amount of coverage at the lowest price possible. Our online platform makes it easy for you to purchase a policy directly through our website without ever having to speak to an agent. Our technology also allows you to compare rates in real time to ensure you’re truly getting the best-priced policy. And once you have a policy with us, you can use our mobile app to easily submit claims or make payments.

At Velox, we’re happy to help when you need us—we’ll attend to your needs right away when you file a claim. But with our easy online platform, we also respect your space. We strive to keep your car insurance experience nothing short of remarkable, from getting a quote to filing a claim.