The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are searching for the lowest insurance rates for business use. Because it’s not cheap, let’s open your eyes to some of the things that determine insurance prices, and see if we can help you slash the price of your next policy.
The vehicle that is being insured is one of the primary factors that determines if you can find cheap car insurance for business use in Georgia. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The data below ranks car insurance prices for a number of the more afforable vehicles to buy coverage for.
Make and Model | Estimated Cost for Full Coverage |
---|---|
Honda CR-V EX-L 2WD | $1,116 |
Ford Escape XLT 4WD | $1,125 |
Honda Accord EX 4-Dr Sedan | $1,231 |
Chevrolet Traverse LS 2WD | $1,264 |
Chevrolet Equinox LS 2WD | $1,292 |
Ford F-150 XL Super Cab 2WD | $1,306 |
Subaru Outback 3.6R Premium | $1,316 |
Toyota Prius | $1,328 |
Toyota Tacoma 4WD | $1,335 |
Honda Odyssey EX-L | $1,363 |
Toyota Corolla LE | $1,368 |
Hyundai Santa Fe SE 4WD | $1,363 |
Nissan Rogue S 2WD | $1,384 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can modify prices substantially.
Looking at the rates, you can presume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Chevrolet Traverse, and Chevrolet Equinox are most likely going to be some of the most economical vehicles to insure for using your car for business. Prices will be higher anyway because there is more claim exposure for business use, but overall those vehicles will probably have the lowest insurance rates that you’ll find.
For using your car for business, one of the more important components that auto insurance companies use when figuring the price of your policy is where you choose to live in Georgia. Urban areas that are densely populated like East Point, North Atlanta, and Smyrna will most likely have higher rates, whereas areas with less traffic congestion and claims receive better rates.
The table below displays the most expensive areas in Georgia for business use to buy an auto insurance policy in.
Rank | City | Annual Rate |
---|---|---|
1 | East Point | $1,480 |
2 | Atlanta | $1,419 |
3 | North Atlanta | $1,336 |
4 | Dunwoody | $1,307 |
5 | Smyrna | $1,292 |
6 | Roswell | $1,272 |
7 | Mableton | $1,267 |
8 | Marietta | $1,253 |
9 | Alpharetta | $1,246 |
10 | Macon | $1,241 |
11 | Savannah | $1,239 |
12 | Sandy Springs | $1,230 |
13 | Gainesville | $1,220 |
14 | Columbus | $1,206 |
15 | Peachtree City | $1,204 |
16 | Augusta | $1,185 |
17 | Rome | $1,170 |
18 | Hinesville | $1,157 |
19 | Dalton | $1,134 |
20 | Martinez | $1,130 |
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Information shown are approximated as the specific Georgia residence address can lower or raise price quotes substantially.
Buying coverage from the right auto insurance provider can be difficult considering how many different companies sell coverage in Georgia. The ranking data displayed below can help you choose which insurers to look at purchasing a policy from.
The rankings below include the largest companies in the United States, so companies that focus mainly on Georgia business are not included in the list. To check rates from these top insurers and more, simply click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
The list below summarizes some of the recommended money-saving solutions that can help Georgia drivers quote cheap car insurance.
That final tip is extremely significant, as was noted in this piece. Car insurance rates can be modified anytime, so you should be ready to buy a different policy if a more affordable price is available. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a lot of money. Now is a great time to compare rates to find cheaper auto insurance for business use.