5 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier
Georgia homeowners and businesses have a lot of choices when it comes to insurance. You can go directly to an insurance carrier or use a broker/agent to help you get the best coverage for your needs and budget. Here are five reasons why Savannah residents should consider using a broker/agent when shopping for their insurance:
Expertise: A good Savannah broker/agent will have knowledge of Georgia's specific laws, regulations, and available insurers that many direct carriers may not be aware of. They understand Georgia's legal requirements and can advise you on the coverage you need to stay compliant with those regulations while still getting the right policy for your individual circumstances.
Choice: Brokers/agents work with multiple carriers and can offer you a variety of options so that you can find the best fit for your needs. They are experienced in understanding what each carrier has to offer, so they can help guide you toward the right policy.
Support: A Savannah good broker/agent will be there to answer any questions you have about your coverage as well as help with filing claims should something go wrong. They can provide advice on how to save money on policies, as well as assist in finding discounts or other ways to lower your premiums.
Cost: Brokers/agents often negotiate rates with insurance carriers and may be able to get better deals than going direct for Georgia residents because they have relationships with multiple insurers, giving them more leverage when it comes to negotiating rates.
Convenience: Working with a Savannah broker/agent means you can get all the quotes and paperwork handled in one place, saving you time and energy when it comes to shopping for Georgia insurance. The broker/agent will take care of all the details so that you can just focus on getting the best coverage possible without having to deal with multiple companies or juggle different policies and payment plans.
What Causes Insurance Companies Declare Vehicles Totaled in Georgia?
In Savannah, some of the most common reasons that insurance companies declare vehicles totaled are extensive damage from a major accident or natural disasters such as floods and fires. Georgia also has laws in place that determine when an insurer can consider a vehicle to be ‘totaled' which generally include any repairs that will cost more than 80% of the actual cash value (ACV) of the car at the time of the loss. Additionally, Georgia law also states that if two or more separate parts of a vehicle have been damaged beyond repair- whether those damages were caused by an accident or not- insurers may deem the vehicle to be totaled. Finally, Georgia law allows insurers to declare a vehicle totaled if it is deemed too expensive to repair, or if it is stolen and not recovered. In these cases, the insurer will pay out to the policyholder based on the car's ACV at the time of loss.
It is important to note that Georgia law prohibits insurers from declaring a vehicle totaled solely because of its age or mileage. Additionally, Georgia requires insurers to provide policyholders with an itemized list of damages in order for them to declare a vehicle totaled. This helps protect consumers by preventing insurance companies from taking advantage of outdated policies or making arbitrary decisions about total losses. Insurance companies must be willing and able to explain why they believe a vehicle should be declared totaled in Georgia in order for their decision to be accepted by local courts. Ultimately, Georgia has laws and regulations in place to ensure that individuals are treated fairly when their vehicles are declared totaled by insurers. Knowing the Georgia laws regarding insurance claims can help individuals who find themselves in this situation understand their rights and be prepared for what comes next.
4 Things to Know Before Going to an Auto Body Shop in Georgia
When it comes to getting your car repaired, Savannah Georgia has a variety of options. From do-it-yourself auto body shops to full-service repair centers, the Peach State provides plenty of choices for drivers. Before taking your vehicle to an auto body shop in Georgia, there are a few important things you should know.
First, be sure that any Savannah auto body shop you visit is fully licensed and insured. In Georgia, all auto body repair establishments must have liability insurance that covers at least $50,000 worth of damage per accident. The state also requires that auto body technicians receive specialized training and pass exams before they can provide service legally. Ask to see proof of licensing and insurance before leaving your car in the shop.
Second, Georgia's auto body repair shops are regulated by the Georgia Department of Revenue. This means that you'll have to pay taxes on any services you receive from an auto body shop in Savannah. Make sure to ask about any applicable taxes before signing a contract or making payment for services rendered.
Third, Georgia has specific regulations concerning the parts and material used in vehicle repairs. It is illegal for an auto body shop to use salvaged or aftermarket parts in repairs without informing customers first. Be sure to discuss the types of materials being used before allowing your car to be repaired with them.
Finally, Georgia requires all auto body shops to guarantee their work against defects for at least one year after completion of service. Make sure to get a written guarantee before agreeing to any repairs, and save all paperwork in case you need it later.
By familiarizing yourself with Georgia's auto body repair laws and regulations, you can ensure that your vehicle is serviced properly so you can drive safely on Savannah roads. By following these tips, you'll be able to find the perfect auto body shop for your needs.
Insurance Claims Process After an Accident in Georgia
If you've been involved in an accident in Savannah GA, understanding the insurance claims process is essential to make sure that your damages are covered. Georgia follows the at-fault system when it comes to car accidents, which means that the driver who caused the accident is responsible for paying damages.
The first step after an accident is to report it to law enforcement and seek medical attention if needed. From there, you can begin collecting information related to the incident including contact information from those involved, details of any property damage or personal injury, photos of the scene and other evidence. Be sure to also get a copy of police reports and medical records so you have all the necessary documentation for filing an insurance claim.
Next, you'll need to contact your insurance company and submit a claim. It's important to provide as much detail about the accident as possible when filing the claim, including all pertinent documents that support your case. Georgia is also a comparative fault state, meaning it's possible for both parties involved in an accident to be partially responsible; this will determine how much each party can recover from their respective insurers.
The insurance company will typically assign an adjuster who will be responsible for evaluating the facts of the accident and determining the compensation you're entitled to based on Georgia's laws. The adjuster may conduct further investigation by gathering witness statements and assessing any medical records or other evidence. Once they have determined what compensation you're due, they will issue a payment.
By understanding Georgia's insurance claims process, you can make sure that your damages are properly covered and ensure that you get the compensation you rightly deserve following an accident.
16 Most Expensive Automobiles to Insure in Georgia
From Ferraris to Lamborghinis, Georgia is known for its luxury cars. Unfortunately, these expensive vehicles come with a hefty price tag when it comes to auto insurance premiums. We've compiled a list of the 16 most expensive automobiles to insure in Georgia so that you can be sure you're getting the best deal on your policy.
Ferrari 812 Superfast: The 812 Superfast is an Italian supercar powered by a 6.5-liter V12 engine that produces 789 horsepower and 530 lb-ft of torque. It has a starting price of $335,000 and an average annual car insurance premium of $6,640 in Georgia.
Lamborghini Aventador: The Aventador is a mid-engined supercar powered by a 6.5-liter V12 engine that produces 740 horsepower and 509 lb-ft of torque. It has a starting price of $423,000 and an average annual car insurance premium of $6,620 in Georgia.
Bentley Bentayga: This all-wheel drive luxury SUV is powered by a 6.0-liter W12 engine that produces 600 horsepower and 664 lb-ft of torque. It has a starting price of $229,100 and an average annual car insurance premium of $4,980 in Georgia.
Mercedes-Benz SLS AMG: This two-seater roadster is powered by a 6.2-liter V8 engine that produces 563 horsepower and 479 lb-ft of torque. It has a starting price of $222,000 and an average annual car insurance premium of $4,640 in Georgia.
Rolls-Royce Cullinan: The Cullinan is a luxury SUV powered by a 6.6-liter V12 engine that produces 563 horsepower and 664 lb-ft of torque. It has a starting price of $325,000 and an average annual car insurance premium of $4,420 in Georgia.
BMW M5: This high-performance sedan is powered by a 4.4-liter twin-turbocharged V8 engine that produces 617 horsepower and 553 lb-ft of torque. It has a starting price of $103,700 and an average annual car insurance premium of $4,180 in Georgia.
Audi R8: The R8 is a two-seater sports car powered by a 5.2-liter V10 engine that produces 520 horsepower and 391 lb-ft of torque. It has a starting price of $129,200 and an average annual car insurance premium of $3,940 in Georgia.
Porsche 911 Turbo S: This high-performance coupe is powered by a 3.8-liter twin turbocharged flat six engine that produces 580 horsepower and 516 lb-ft of torque. It has a starting price of $188,100 and an average annual car insurance premium of $3,900 in Georgia.
Mercedes-Benz CL65 AMG: This luxury coupe is powered by a 6.0-liter twin turbocharged V12 engine that produces 621 horsepower and 738 lb-ft of torque. It has a starting price of $195,400 and an average annual car insurance premium of $3,820 in Georgia.
Tesla Model S Performance: This all-electric sedan is powered by two electric motors that produce up to 760 horsepower and 713 lb-ft of torque combined. It has a starting price of $125,000 and an average annual car insurance premium of $3,740 in Georgia.
Jaguar F-Type: This two-seater sports car is powered by a 5.0-liter supercharged V8 engine that produces 550 horsepower and 502 lb-ft of torque. It has a starting price of $90,500 and an average annual car insurance premium of $3,360 in Georgia.
Cadillac Escalade: The Escalade is a full-size luxury SUV powered by a 6.2-liter V8 engine that produces 420 horsepower and 460 lb-ft of torque. It has a starting price of $75,695 and an average annual car insurance premium of $3,280 in Georgia.
Mercedes-Benz G550: This luxurious SUV is powered by a 4.0-liter twin turbocharged V8 engine that produces 416 horsepower and 450 lb-ft of torque. It has a starting price of $124,500 and an average annual car insurance premium of $3,080 in Georgia.
Audi RS7 Performance: This high-performance sedan is powered by a 4.0-liter twin turbocharged V8 engine that produces 605 horsepower and 516 lb-ft of torque. It has a starting price of $123,900 and an average annual car insurance premium of $2,940 in Georgia.
BMW i8: This plug-in hybrid sports car is powered by a 1.5-liter turbocharged three cylinder engine and an electric motor that produces 357 horsepower and 420 lb-ft of torque combined. It has a starting price of $144,400 and an average annual car insurance premium of $2,700 in Georgia.
20 Cheapest Vehicles to Insurance in Georgia
Have you ever wondered which vehicles are the cheapest to insure in Georgia? Whether you're looking to buy a new car or simply want to get the best deal on your current vehicle, it pays to do some research when it comes to insurance costs. Savannah GA has some of the lowest insurance premiums in the country, making it an excellent place to save money on auto coverage. To help you out, here is a list of 20 of the cheapest vehicles to insure in Georgia.
Honda Civic - Known for its reliability and affordability, the Honda Civic is one of the most popular cars in Georgia and also one of the cheapest to insure. It offers great safety features at an affordable price, making it a smart choice for Savannah drivers.
Ford Fiesta - The Ford Fiesta is a great option for Georgia drivers on a budget looking for an affordable and reliable car. It has excellent fuel economy, making it perfect for long commutes or road trips in Georgia. Plus, its low price tag makes it easy to insure without breaking the bank.
Toyota Corolla - Another great choice for Georgia drivers is the Toyota Corolla. Its low cost of ownership and solid reputation make it a popular choice among Savannah motorists, and its excellent safety features help keep insurance rates down as well.
Nissan Altima - The Nissan Altima offers plenty of features at an affordable price point, making it one of the cheapest cars to insure in Georgia. Its reliable performance and great fuel economy make it a popular option for Georgia drivers, and its low cost of ownership makes it an easy choice when shopping around for auto insurance.
Chevrolet Malibu - The Chevrolet Malibu is an excellent choice for Savannah drivers looking for a reliable, affordable car. Its low cost of ownership and solid reputation make it a smart choice when it comes to auto insurance costs, and its great safety features help keep rates down as well.
Toyota Camry - Another great option for Georgia drivers is the Toyota Camry. Its reliable performance, excellent fuel economy and low cost of ownership make it one of the cheapest cars to insure in Georgia. Plus, its generous list of safety features helps keep insurance premiums low as well.
Subaru Impreza - The Subaru Impreza is a great choice for Savannah drivers looking for an affordable and reliable car. It has excellent fuel economy, plenty of cargo space and a long list of standard safety features that help keep insurance rates down as well.
Honda Accord - One of the most popular cars in Georgia is also one of the cheapest to insure. The Honda Accord offers a smooth ride, excellent safety features and a great reputation for reliability, making it one of the smartest choices when shopping around for Georgia auto insurance.
Kia Optima - The Kia Optima is an excellent choice for Savannah motorists on a budget looking for an affordable car with plenty of features. Its low cost of ownership and generous list of standard safety features help keep insurance premiums down as well.
Hyundai Sonata - Another great option for Georgia drivers is the Hyundai Sonata. It has solid performance, impressive fuel economy and a long list of standard safety features that make it one of the cheapest cars to insure in Georgia. Plus, its generous cargo space makes it perfect for road trips or commuting in Georgia.
Volkswagen Jetta - The Volkswagen Jetta is a great choice for Savannah drivers looking for an affordable car with plenty of features. Its low cost of ownership and solid reputation make it an easy choice when shopping around for Georgia auto insurance. Plus, its generous list of safety features helps keep rates down as well.
Mazda3 - The Mazda3 is another popular choice among Georgia drivers, and also one of the cheapest cars to insure in Georgia. It has excellent fuel economy, plenty of cargo space and solid performance that make it a smart option when shopping around for Georgia auto insurance.
Honda CR-V - The Honda CR-V is a great option for Savannah drivers on a budget looking for an affordable car with plenty of features. Its reliable performance, generous cargo space and low cost of ownership make it an easy choice when it comes to Georgia auto insurance. Plus, its impressive list of safety features helps keep rates down as well.
Nissan Rogue - The Nissan Rogue is a great choice for Georgia drivers looking for an affordable car with plenty of features. Its excellent fuel economy, long list of standard safety features and solid reputation for reliability make it one of the cheapest cars to insure in Georgia.
Ford Escape - The Ford Escape is another popular option among Savannah motorists. Its low cost of ownership and long list of standard safety features help keep insurance premiums down as well, making it a great choice when shopping around for Georgia auto insurance.
Chevrolet Malibu - The Chevrolet Malibu is a great choice for Georgia drivers looking for an affordable car with plenty of features. Its reliable performance, generous cargo space and solid reputation make it one of the cheapest cars to insure in Georgia. Plus, its impressive list of standard safety features helps keep rates down as well.
Toyota Corolla - The Toyota Corolla is another excellent option for Savannah drivers on a budget looking for an affordable and reliable car. Its low cost of ownership and long list of standard safety features help keep insurance premiums down as well, making it one of the smartest choices when shopping around for Georgia auto insurance.
Subaru Forester - The Subaru Forester is a great choice for Georgia drivers looking for an affordable car with plenty of features. Its reliable performance, generous cargo space and impressive list of standard safety features help keep insurance premiums down as well, making it a great option when shopping around for Georgia auto insurance.
Honda Civic - The Honda Civic is one of the most popular cars in Georgia, and also one of the cheapest to insure. It's reliable performance, excellent fuel economy and generous list of standard safety features make it a smart choice when shopping around for Savannah auto insurance.
Toyota RAV4 - The Toyota RAV4 is another excellent choice for Georgia drivers on a budget looking for an affordable car with plenty of features. Its low cost of ownership, incredible fuel economy and long list of standard safety features help keep insurance premiums down as well, making it a great option when shopping around for Georgia auto insurance.
Benefits of Adding Someone to Your Insurance Georgia
Adding someone to your insurance Savannah policy can be a great way to extend coverage and protection for you and your family. Georgia is home to numerous insurance providers, offering a range of products and services designed to meet the needs of its residents. Here are some of the benefits of adding someone to your Georgia insurance policy:
Increased Protection - Adding someone to your Savannah insurance policy allows you and your family members additional protection. This could include auto or homeowners coverage, as well as other types of coverage such as life or health insurance. Ultimately, having an extra layer of protection can help provide peace of mind in the event that something unexpected happens.
Lower Premiums - Having multiple people listed on an insurance Georgia policy can also potentially decrease the cost of your premiums. Insurance providers often offer discounts for policyholders who list more than one person on their Georgia insurance policy.
Access to Better Coverage - Savannah GA residents may be able to access better coverage, including more comprehensive options such as accident forgiveness or roadside assistance, if they add someone else to their Georgia insurance policy. This could provide an additional level of security and protection, depending on the type of coverage you are looking for.
Cost of Car Insurance in 6 Different Age Groups in Georgia
The cost of car insurance in Georgia varies greatly depending on your age. Generally, the younger you are, the higher your car insurance premiums will be. Here is a breakdown of what you can expect to pay for auto insurance in Georgia at six different points in life:
17-20 Years Old: Auto insurance for 17-20 year olds in Georgia is typically quite expensive. The average annual premium for this age group is around $4,500 per year. This is mainly due to the fact that younger drivers are considered more dangerous on the road and thus pose a greater risk for insurers.
21-25 Years Old: The cost of car insurance decreases significantly when you reach 21 years old and jump up again at 25. The average annual premium for 21-25 year olds in Georgia is about $2,000 per year - an almost 50% decrease from what you will pay when you're between 17 and 20 years old.
26-29 Years Old: Auto insurance costs begin to level off at 26 years old and remain relatively stable until 29. The average annual premium for this age group is around $1,700 per year.
30-39 Years Old: At 30 years old, car insurance premiums start to drop even further. This age group has the lowest rate of insurance premiums in Georgia with an average of just $1,200 per year.
40-49 Years Old: As drivers reach their 40s, premiums begin to increase again. The average annual premium for this age group is around $1,400 per year.
50-64 Years Old: Georgia drivers in their 50s and 60s will likely see an even greater jump in their car insurance rates. The average annual premium for drivers between the ages of 50 and 64 is about $1,700 per year - a nearly 40% increase from what drivers aged 30-39 pay.
Overall, Georgia's car insurance rates are some of the highest in the nation due to its no-fault laws on auto insurance and higher risk of accidents among younger drivers. However, there are still ways to save money on your car insurance policy by shopping around and comparing different providers.
3 Driving Violations That Require High Risk Insurance in Georgia
In Georgia, drivers who are found guilty of certain traffic violations must purchase high risk insurance before they can legally operate a motor vehicle. These offenses include:
Habitual Violator: A person is declared to be a habitual violator if convicted of three or more separate and distinct violations (excluding parking offences), the most serious of which was a felony involving the use of a motor vehicle, within five years. This can be especially costly as Georgia requires that all habitual violators carry liability insurance coverage for three years after conviction.
DUI/DWI Conviction: Georgia has some of the toughest DUI laws in the nation and imposes severe penalties on offenders. Savannah drivers convicted of driving under the influence are required to maintain high risk insurance coverage for three years.
Reckless Driving: Georgia considers reckless driving a criminal offense, and anyone convicted of this violation must purchase high risk insurance before they can legally operate a motor vehicle in the state. In Georgia, reckless driving is defined as operating a vehicle in willful or wanton disregard for the safety of persons or property. All drivers charged with this offense must have Georgia SR-22 Insurance in order to reinstate their driver's license after conviction.
All drivers convicted of any of these violations must provide proof of Georgia SR-22 insurance before their driving privileges can be reinstated. Georgia imposes stiff penalties on offenders who fail to comply with this requirement, including fines and suspension or revocation of their driver's license. It is important for Savannah drivers to understand the importance of high-risk insurance and to purchase this type of coverage before they are convicted of any violation requiring it.
Top 4 Car Insurance Companies by Least to Most Expensive in Georgia
Savannah residents have plenty of car insurance options to choose from. Knowing which ones are the most affordable can be a challenge. To help you find the best coverage for your budget, we've compared Georgia's top four car insurance companies based on their least to most expensive prices.
The most affordable Georgia-based provider is Georgia Farm Bureau Mutual Insurance Company (GFB). With rates starting at just $1,054 per year, GFB offers competitive coverage and discounts for drivers with good driving records and those who take driver safety courses.
Second on our list is Georgia Auto Insurance Company (GAIC) with rates ranging from $1,311 to $2,052 annually depending on a variety of factors. Georgia Auto provides good coverage for drivers with multiple vehicles and those seeking extra protection from liability claims.
Third is Georgia Family Insurance Company (GFIC) with rates ranging from $1,876 to $2,286 per year. Georgia Family offers a variety of coverage options including comprehensive policies that cover damage and theft in addition to liability.
Finally, Georgia Interstate Insurance Company (GIIC) comes in at the most expensive spot on our list with rates ranging from $2,087 to $3,441 annually depending on your individual circumstances. GIIC offers great coverage for high-risk drivers and those who want additional medical payments and rental car reimbursement benefits.
11 Interesting Driving Statistics in Georgia
Georgia has a few driving regulations that are unique to the state, which means it's interesting to look at Georgia's various statistics when it comes to driving. Here are some of the most interesting driving statistics in Georgia:
Georgia drivers pay an average of $2,144 annually for car insurance. This is slightly higher than the national average of $2,097.
Georgia has one of the highest rates of fatal motor vehicle accidents in the United States with 1.37 deaths per 100 million miles driven in 2019, compared to the national average of 1.13 deaths per 100 million miles driven that same year.
Georgia requires drivers over 75 years old to renew their license every 5 years.
Georgia has one of the most lenient laws concerning driving under the influence with a BAC limit of 0.08% and no minimum time period required for license suspension following DUI convictions.
Georgia is ranked 19th in the nation with an average commute time of 28 minutes, compared to the national average of 26 minutes.
Georgia's gas taxes rank 15th highest in the US at 29 cents per gallon and is estimated to generate around $2 billion annually.
Georgia has some of the most dangerous roads in America due to its high number of fatal accidents and large number of uninsured drivers on its roads - nearly 21 percent in 2017 according to data from the Insurance Information Institute.
Georgia has a “Move Over Law” that requires drivers to move over or slow down when approaching stopped emergency vehicles with flashing lights on the side of the road.
Georgia was the first state in the US to enact a hands-free law, requiring all drivers to use hands-free devices for cell phone use while driving.
Georgia has a distracted driving ban for all drivers under 18 years old, prohibiting them from using any type of communication device while operating a vehicle.
Georgia is one of only two states (the other being Mississippi) that does not require you to have car insurance before registering and/or owning a vehicle in Georgia. While this is technically true, Georgia also requires uninsured motorists to pay a fee every year in order to continue driving without insurance.
What is the average car insurance rate in Savannah Georgia?
The average rate for Savannah is $1,596. Look for discounts to make this even more affordable.
What is the minimum coverage required in Savannah GA?
In Savannah Georgia, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $25,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Savannah GA?
Average cost for two vehicles in Savannah is $4,213. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Savannah GA?
To get low cost car insurance in Savannah, GA, simply fill out the form above and compare quotes then pick the best one.