A Few Things That Determine Your Car Insurance Rate In Georgia

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Have you ever wondered how the rate you pay for your auto insurance is calculated? Most folks in Georgia who reach out to The Roberts Insurance Group for help or advice usually ask, "why is my car insurance rate so high with my current company?". It's a very common question. 

The truth is, there are over 200 factors that go into determining the rate you pay for your auto insurance policy in Georgia. Below are some of the main factors:

• Location: Typically, vehicles used and garaged in higher density areas, like Atlanta, will pay more for insurance.
• Credit: Policyholders with good credit tend to pay much less than those with bad credit
• Driving History: As to be expected, drivers with tickets and violations tend to pay more than those with few to 0 violations.
• Claim History: Policyholders with a lot of claims pay more than those with very few or 0 claims
• Vehicle Type: The type of vehicle you have matters. Rates for specific vehicles are based on claims history with that vehicle and the cost to repair or replace the vehicle.
• Vehicle Use: Vehicles used for business purposes are going to be more expensive than those used for everyday personal use or commuting. Vehicles used on occasion or for pleasure will cost even less to insure.
• Driver Age: This is a major factor. Very young drivers are the most costly to insure followed by very old drivers. 
• Previous Insurance History: A policyholder who was with the previous insurance company for several years in a row will get a better rating than someone who changes insurance companies frequently or someone who has a recent lapse in coverage.
• Previous Policy Liability Limits: If you have higher limits on your auto policy, you will pay less on your next policy than someone with lower limits.
• Coverage Selection: Coverage selection is a major factor. The liability limits you choose and whether or not you carry comprehensive and collision coverage (and the deductibles) will be the biggest factors.

At the Roberts Insurance Group, we work with our clients to get the coverage they need at the best possible price. We make sure you know exactly what you're paying for and what factors are effecting your rate.

We're an independent insurance agency based in Canton, GA and help clients throughout the state of Georgia. We would love the opportunity to provide a better value insurance solution for you and your family.

Give us a call at 678-250-8133 or click below to start saving today!

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