Best Cheap Auto Insurance Quotes for Single Moms in Georgia

The words “low-priced” and “auto insurance” probably shouldn’t be used together, in particular when you are looking for the cheapest coverage for single moms. Because of the high cost, let’s teach you some situations that can significantly affect insurance rates, and find a way to take the sting out of the next policy you buy.

When shopping for the cheapest insurance for single parents, one of the many components that influence a rate quote is the neighborhood you call home in Georgia. Densely populated urban areas like East Point, Dunwoody, and North Atlanta likely pay more, whereas cities that are not as densely populated receive better rates.

The information below illustrates the highest-priced places in Georgia for single moms to buy an auto insurance policy in.

Table data uses approximated as specific Georgia garaging address can influence prices considerably.

Finding out which companies quote the lowest-priced car insurance rates for single moms requires a tad more effort in order to find the best price. Every insurance company uses their own formula to set policy rates, so let’s examine the lowest cost car insurance companies in Georgia.

We do need to point out that Georgia car insurance rates are calculated based on many things that will increase or decrease your annual premium. Improving your credit rating, buying a new vehicle, or getting caught speeding can trigger changes in premium that can make some companies more affordable than the competition.

Find the Best Cheap Insurance for Single Moms

Start Your Free Quote

Auto-Owners quotes some of the lowest car insurance rates in Georgia at around $855 per year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the lowest-priced Georgia insurance companies.

As shown in the rates above, if you are insured with USAA and switched to Auto-Owners, you might realize a yearly price reduction of roughly $143. Drivers with Central Mutual could save as much as $302 a year, and MetLife insureds might reduce rates by $371 a year.

Understand that those premium estimates are averages for all drivers and vehicles in Georgia and are not factoring in a price discount for single moms. So the auto insurance company that can offer the best rates for your situation may not even be featured in the list of companies above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The illustration below illustrates how choosing a deductible can influence annual premium costs when trying to find cheap insurance for single moms. The costs are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4485,4087,3651,3241],[‘Age 30’, 2327,2117,1881,1655],[‘Age 40’, 2231,2041,1825,1617],[‘Age 50’, 2043,1869,1673,1485],[‘Age 60’, 2011,1841,1647,1461],[‘Age 70’, 2321,2131,1925,1729]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could lower rates by $370 a year by changing from a $100 deductible up to a $500 deductible, or save $558 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, can save up to $1,244 or more just by using higher deductibles. If you make the decision to raise deductibles, it is important to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Full coverage rates vs. liability-only in Georgia

Finding the best cheap auto insurance for single moms in Georgia should be important to the majority of vehicle owners, and one of the easiest ways to find cheap insurance is to only buy liability coverage. The information below compares insurance prices when comparing full coverage to liability only. Data assumes no violations or accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3517,1189],[‘Age 30’, 1847,653],[‘Age 40’, 1817,605],[‘Age 50’, 1653,567],[‘Age 60’, 1599,557],[‘Age 70’, 1947,745]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Georgia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, full coverage costs $2,063 per year over and above liability only. A very common question is if paying for full coverage is worth it. There isn’t a steadfast formula of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

Cheapest insurance quotes for single parents

There are many ways to quote cheap car insurance rates in Georgia, but the most preferred methods are through a non-exclusive or independent agent, an exlusive agent like Allstate or State Farm, or direct online or over the phone from a company like Progressive or Geico.

Each way has the same basic steps, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agents write for multiple companies and can provide price quotes from each one. Independent agents are not required to write business for one company and can give you more rates, which may provide you with a better comparison. If a cheaper rate is found, your policy can be easily switched to a different company and the insured can keep the same agent.

A captive or exclusive agent is restricted to one company, for example an Allstate or State Farm agent. They usually cannot provide multiple price quotes, which necessitates shopping around.

Buying car insurance direct means you do not use local insurance agents and instead shop from a direct company like Progressive or Geico. Shopping direct is a good choice for people who have lower risk management needs and know more than average about the limitations of their policy.

So which of those three methods works best for finding the best cheap auto insurance for single moms in Georgia? We wish we could say buying from a direct car insurance company results in the cheapest price because you bypass the agent, but that does not always hold true. We could also assume that buying car insurance from an independent agent saves the most money because you have more choices, but again, that’s not a true statement. In many circumstances, exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Due to the large number of rating factors, the only real way to buy the cheapest coverage is to obtain price quotes and compare them. To find the best rates, be sure to get rate quotes from all three to have the best rate selection. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find the cheapest auto insurance for single moms

The list below details many thrifty suggestions that can help you get lower-cost car insurance.

• Buying home and auto insurance together can earn discounts
• Having too many claims will increase rates substantially
• Lower rates by purchasing a safer vehicle
• Do not get traffic tickets
• Do not get into accidents
• Compare price quotes at least once a year

The last idea is extraordinarily crucial, as we stressed in this write-up. Auto insurance prices can change significantly in a year, so you should be ready to switch carriers if a cheaper rate is available.

Being loyal to a particular company is commendable, but we do not recommend it if that inflexibility results in costing you hundreds of dollars year after year. In less than five minutes you could compare rates and find cheaper car insurance for single moms.