How Much are Car Insurance Quotes for a Learners Permit in Georgia?

I’m sure you’ve seen the captivating ads from companies like The General, Progressive, and Liberty Mutual promising dirt cheap rates. So you just need to choose the one with the flashiest ad, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknowns like if you are wanting full coverage, if you own your home, the amount of liability insurance you need, and where your residence is in Georgia, that all help calculate your car insurance rates. The content below covers the different ways you can keep rates low and also should give you a good start to your coverage search.

The make and model of vehicle on the policy is probably the largest consideration when comparing quotes for cheap car insurance for a learners permit in Georgia. Vehicles with lots of speed or power, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models. The data below features coverage costs for a selection of the more afforable automobiles to buy coverage for.

Above prices assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific zip code location which can increase or decrease coverage prices noticeably.

Based upon the rates shown, cars like the Honda CR-V, Chevrolet Traverse, Ford Escape, Toyota Prius, and Hyundai Tucson should be the cheaper vehicles to insure for new drivers. Car insurance rates will tend to be higher just because there is more inherent risk for a learners permit, but in general those specific models will have the lowest insurance rates that you’ll find.

One of the many components that is used by auto insurance companies to determine auto insurance rates is where your residence is in Georgia. Areas with more people or even just a higher incidence of claims like East Point, North Atlanta, and Marietta will most likely have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The table below illustrates the highest-priced areas in Georgia for a learners permit in which to purchase auto insurance.

Premium costs are estimated as the specific area where the vehicle is garaged can change insurance rates noticeably.

Shopping around for low-cost auto insurance is not the easiest thing to accomplish, and finding out which companies quote the best insurance rates for a learners permit requires a bit more work. Insurance prices should be quite a bit more expensive than the average policy in Georgia attributed to the additional risk that comes with offering insurance for new drivers, but competitively-priced coverage may be attainable if you look hard enough. Each auto insurance company uses their own formula for establishing rates, so let’s take a look at the most affordable insurance companies in Georgia.

It’s important that readers know that Georgia insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Taking a driver safety course, buying a higher-value vehicle, or getting a DUI may cause policy rate changes that can make some companies more affordable than the competition.

Cheapest Insurance Rates in Georgia

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Auto-Owners may offer some of the best car insurance rates in Georgia at around $855 per year. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheaper Georgia insurance companies.

As shown above, if you currently buy coverage from USAA and switched to Auto-Owners, you might achieve savings of in the vicinity of $113. Georgia drivers with Central Mutual could save as much as $350 a year, and MetLife insureds might see rate reductions of $421 a year.

To see how much you can save, click here to start your custom quote or click several companies below for low rates.

Remember that these premium estimates are averaged across all insureds and vehicles and and are not figured with a price increase for a learners permit. So the auto insurance company that is most affordable for your situation may not even be in the company chart above. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The information below demonstrates how deductible levels can raise or lower insurance rates when trying to find cheap insurance for a learners permit. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

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The chart above illustrates that a 30-year-old driver could pocket $406 a year by increasing from a $100 deductible to a $500 deductible, or save $614 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates up to $1,244 or even more by choosing a larger deductible amount. If you do decide to increase your deductibles, it will now be necessary to have emergency funds available to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Buying coverage from the highest-rated company is difficult considering how many companies provide coverage in Georgia. The ranking data below can help you pick which providers you want to consider comparing price quotes from.

The ratings below are only made up of large nationwide companies, so companies that have a smaller presence are not taken into consideration for the list. To compare rates from the most competitive companies in Georgia, follow this link.

Top 10 Large Auto Insurance Providers Overall in Georgia

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Large Auto Insurance Providers in Georgia Ranked by Value

1. Mercury Insurance
2. Travelers
3. Safeco Insurance
4. American Family
5. AAA Insurance
6. The Hartford
7. Progressive
8. The General
9. Titan Insurance
10. Esurance

Best cheap insurance quotes for new drivers

Drivers have a lot of ways to find cheaper insurance in Georgia, but the most frequently used are through an independent or non-exclusive agent, an exclusive insurance agent like Auto-Owners or State Farm, or buying direct from a company like Geico or Progressive. They all have the same end result, but they differ in how they give price quotes.

Independent agents work with multiple companies and can get rate quotes from all of them. These agents will give you more rate choices, which may provide you with the best idea of how your rates compare. If a cheaper rate is found, your policy is moved internally which requires no work on your part.

An exclusive ageny is able to quote prices with one insurance company, two of the more popular are Allstate or Farmers Insurance agents. They generally cannot provide a range of price quotes, so smart shoppers will want to get additional comparison quotes.

If you want to buy insurance direct, you do not use a local insurance agent and instead shop direct either online or via phone. Buying insurance direct is good for drivers who do not need complex risk management and have some degree of understanding of what insurance covers and what it doesn’t.

So which of those three methods works best to find cheap car insurance for a learners permit in Georgia? We’d like to tell you buying from a direct car insurance company results in the cheapest rates because there is no agent involved, but unfortunately, that is not the case. And we’d like to say using an independent agent saves the most money because they can quote many companies, but that assumption is not true either. In the right set of circumstances, the exclusive agents may have prices that are the lowest in Georgia.

Since insurance rates vary so much, the one way to not overpay for insurance is to compare, compare, and compare some more. We recommend you get quotes from all three types in order to find the best price. For a list of companies with some of the cheapest Georgia insurance rates, click here to view.

How to get cheap car insurance for a learners permit in Georgia

The list below summarizes some of the recommended thrifty solutions that can help Georgia drivers locate cheap coverage.

• Full coverage is expensive so only insure older vehicles for liability only
• Increase the comprehensive and collision deductibles on your policy
• Increase your credit score
• Avoid preventable accidents
• Vehicles with good safety ratings have lower liability rates
• Just one traffic violation will increase your rates
• Comparison shop at least once a year

The last suggestion is especially crucial, as we noted in the prior information. Insurance prices in Georgia fluctuate constantly, so you should be ready to buy from a different company if a lower-cost policy is available.

Having a favorite company is fine, but is isn’t recommended if that faithfulness ends up costing you major coinage every year. Now is a great time to shop around to find cheaper insurance for a learners permit.