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Cheap Car Insurance in Athens, GA

Securing affordable auto coverage that meets your exact needs may seem impossible, but is easier than you think. At Velox Insurance, we are here to help you every step of the way and find the best protection for you at the lowest cost.

Everything You Need to Know About Affordable Auto Insurance in Georgia

When it comes to exploring Athens, there’s no shortage of charm and history to discover. Between walking the cobblestone streets downtown by the Georgia Theatre and the 40 Watt Club, exploring the historic campus of the University of Georgia, or taking a drive through the State Botanical Garden of Georgia, Athens is full of rich heritage.

Regardless of where your road trip destination is in Athens, all motorists must have auto coverage in Georgia. Continue reading to learn more about saving money on your premiums, Georgia car insurance mandates, and more. 

How Much Does Car Insurance Cost in Athens, GA?

Drivers in Athens pay approximately $53 per month for state minimum required liability auto insurance, $15 less than the typical payment in Georgia of $68. This monthly total is also $9 less than the national average of $62. 

Full coverage car insurance in Athens is around $133 per month, $85 less than Georgia’s average of $218 and $82 less than the nation’s at $215.

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Different Vehicle Options for Insurance in Athens, GA

If you drive something other than a car or truck, you can still get coverage with other types of plans. Take a look below at other auto protection options in Athens. 

  • Recreational Vehicle Insurance: Sometimes, recreational vehicles (RVs) can be covered by standard auto coverage, but getting a separate insurance plan for your RV is best if you plan on using it for extended trips. Taking long trips in your RV means more opportunities for an event to occur that may require filing a claim with your provider.
  • Motorcycle Insurance: Your liability coverage depends on the amount of protection you need, plus the make and model of your motorcycle. Motorcycle insurance can include comprehensive and uninsured motorist coverage, and even be tailored to reflect your level of use and other factors, like how long you’ve had your motorcycle license. 
  • Boat Insurance: Boat and watercraft insurance is necessary for any type of boat or watercraft, like sailboats, fishing boats, yachts, cabin cruisers, motorboats, and other personal boats. These policies allow you to fish, cruise, and enjoy a variety of water activities, even in the event of an accident or injury, because you’ll have the coverage you need. Plus, you’ll be covered in case of natural events like hurricanes, which is important if you are planning on vacationing in areas where the weather can become intense. 

What Exactly is Liability Insurance in Athens?

In Athens, just like in all of Georgia, liability car insurance is a must-have for anyone who drives. Auto liability insurance offers financial protection if you’re at fault in an accident. In these situations, your insurer will help cover the damages and medical expenses for the other parties involved, up to your policy limits.

The Peach State has its own set of laws and regulations compared to other regions when it comes to auto insurance, and Athens is no exception. If you are wondering why you need liability car insurance in Georgia, it’s because the local government legally enforces that you have adequate financial resources should there be any mishaps on the road. So, whether you’re hitting the back roads or cruising through downtown Athens, make sure you’ve got your liability auto coverage sorted out since you’ll never know when you might need it to save the day.

Low-Cost Car Insurance by Zip Code in Athens

When you’re buying insurance, your quoted prices are based on a variety of factors, including your zip code. Athens has many zip codes and a high population compared to the rest of Georgia, and more people are on the road, respectively. Because there are more individuals driving in highly congested areas like this, your premiums will be higher due to the larger risks for insurers compared to smaller towns.

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Zip Code Full Coverage Insurance Liability Insurance Coverage
30601 $131 $53
30602 $130 $53
30603 $135 $55
30604 $135 $55
30605 $132 $53
30606 $129 $53
30607 $133 $53

*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100

Car Insurance Laws in Athens, GA

The Georgia government determines what the requirements for state-minimum required auto insurance are in Athens and the rest of the state. A basic auto liability policy in Georgia must have:

  • Coverage for bodily injury and death liability per person involved and per accident, with a minimum of $25,000 per person and $50,000 per accident.   
  • Coverage for property damage liability, with a minimum of $25,000 per incident. 
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Penalties for Driving Without Auto Insurance Coverage in Athens, GA

You should never drive without state-mandated liability insurance, and here’s why: there are some major legal, financial, and sometimes deadly, consequences. Georgia requires you to have documentation of your policy. If you don’t, you may find yourself in a heap of trouble faster than a pig in a poke. 

If it’s your first offense without coverage, you can expect:

  • A $200 fine
  • License suspension for 60 days.
  • A $60 registration reinstatement fee.

If you have subsequent offenses:

  • You can get fines totaling up to $1,000.
  • You may be charged with up to 12 months in jail.
  • Your license will be suspended for a minimum of 90 days.
  • You’ll have to pay a registration reinstatement fee, up to $160.

What is Joshua’s Law and How Does it Affect My Teen in Athens?

Next, let’s explore what your teenager needs to know about Joshua’s Law in Georgia. These laws were enacted in 2005 and named after Joshua Brown, a young man who was lost in a tragic car accident. 

The point of Joshua’s Law is to try to curb wild teen driving and ensure that they have the skills to navigate the roads safely. Teens must complete a certified driver education course, acquire a particular number of hours behind the wheel with a licensed adult, and abide by certain nighttime curfews. 

Your teen might roll their eyes at these rules, but don’t forget to remind them that Joshua’s Law exists to keep them – and everyone else on the road – safe. 

Cheap car insurance in Athens, Georgia.

List of Insurance Products Available in Athens, Georgia

Folks, there are other kinds of insurance coverage out there besides the kind you need for your wheels. Take a gander at three additional types of popular residential and business insurance coverage in Athens.

  • Renters insurance protects the belongings inside a tenant’s living space, regardless of the type of property being rented. These policies can be applied to a mobile home unit, an apartment, or even a rental home, but note that this plan will not cover the building structure.
  • Homeowners insurance is designed to safeguard homeowners against a wide variety of situations, like damages caused to the physical structure of your home, permanent fixtures on your property such as pools or sheds, or personal assets inside your home, along with many other features. 
  • Professional liability is good for business owners who want to alleviate the risks they and their companies are exposed to simply by way of doing business. 

When Should I Insure My Personal Property in Athens?

Insuring your personal property is about being prepared at any time for life’s unexpected twists and turns. Whether you’re a college student settling into a cozy apartment near the University of Georgia or laying down roots with your growing family in a historic home in Five Points, the time to insure your belongings is now. 

You don’t wait until after disaster strikes, like a Georgia thunderstorm on a summer afternoon, to purchase a plan that protects your assets. Securing coverage now is a proactive step so your belongings are safe from unforeseen events such as theft, fire or natural disasters.

In Athens, just like anywhere else, there are unexpected events that can happen at any time. That’s why it’s essential to insure your personal property as soon as you’ve invested your money, whether it’s your expensive mountain bike or an awesome sound system. As you can see, having the right coverage can put your mind at ease that your belongings are safeguarded against many of life’s uncertainties at any time. 

What are the Best Car Insurance Discounts in Athens, GA?

There are a variety of tips to get affordable rates on your car insurance, and discounts offered by your provider are just one way to save money. Here are three discounts that will make you say, “Jelly my biscuits!”

Some popular auto protection discounts in Athens include:

  • Insurance Policy Discounts:

    Did you know that installing safety devices (like car alarms, automatic seatbelts, and anti-lock brakes) can help you qualify for discounts? The more safety features your vehicle has, the lower the cost of your premiums will be.
  • Full-payment Discounts:

    If you pay the total of your premium upfront, you might earn certain discounts that help you pay less in the end compared to if you paid monthly. Plus, you wouldn’t have additional payments for the remainder of the year.
  • Multiple Policy Discounts:

    Bundling your automobile and renters insurance has benefits that can lower how much you pay each month. Qualifications for these savings will vary, but they can significantly reduce how much you’ll end up paying.

Get a Quote for Car Insurance Coverage in Athens Today!

Athens motorists need to have auto coverage that meets Georgia’s minimum liability laws. Here at Velox Insurance, we have the hospitality you expect, and the expertise to find the plans you need at an affordable price. Get started with a quote online, visit us at an office near you, or call us at 855-468-3569 to speak with an agent.