For teachers and educators, one of the largest components that are looked at to determine car insurance rates is the neighborhood you call home. Regions with more people or even just more weather-related claims like East Point, North Atlanta, and Mableton tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below sorts the highest-priced places in Georgia for teachers in which to buy car insurance.
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Premium costs are approximated as specific location information can lower or raise price quotes significantly.
Trying to buy cheap car insurance is not always easy, and figuring out which company has the best auto insurance rates for teachers in Georgia takes a little more work. Rates may be a little bit cheaper than the state average because of the lower risk that comes with offering coverage for teachers and educators. Competitively-priced coverage should be readily available with minimal effort. Each auto insurance company uses a different method for setting prices, so we'll take a look at the overall cheapest auto insurance companies in Georgia.
Best Cheap Insurance Rates for Educators
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,299|
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Auto-Owners has some of the cheapest car insurance rates in Georgia at around $855 each year. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheapest Georgia car insurance companies.
In this example, if you are insured with The Hartford and switched to Auto-Owners, you may see savings of approximately $31. Georgia drivers with USAA may save as much as $153 a year, and Central Mutual customers might lower prices by up to $314 a year.
To see if you're overpaying, click here to start your custom quote or click through to the companies below.
Understand that those premiums are averaged for all drivers and vehicles in Georgia and and are not figured with a rate discount for teachers. So the insurer that has the lowest price for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.
Best auto insurance company in Georgia
Finding a good quality auto insurance company can be rather challenging considering how many choices you have in Georgia. The rank data in the next section can help you decide which car insurance companies you want to consider comparing rates with. The ratings below are for companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Auto insurance rates are higher with tickets and accidents
The easiest method to maintain the best auto insurance premiums for teachers and educators is to be a cautious driver and not receive tickets or have accidents. The illustration below illustrates how violations and at-fault collisions can raise insurance costs for different age groups of insureds. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy in Georgia per year with no accidents and a clean driving record is $1,705. Get written up for two speeding tickets and the average cost hikes up to $2,414, an increase of $709 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for teachers in Georgia jumps again to an average of $3,140. That's an increase of $1,435, or $120 per month, just for being a less-than-perfect driver!
Get discounts on Georgia car insurance rates
Insurers that offer quotes for teachers may have price discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. A list of auto insurance companies and a selection of discounts are:
- State Farm has discounts for good student, multiple autos, defensive driving training, multiple policy, Steer Clear safe driver discount, accident-free, and driver's education.
- American Family has savings for accident-free, defensive driver, TimeAway discount, mySafetyValet, bundled insurance, and good driver.
- AAA includes discounts for anti-theft, education and occupation, pay-in-full, good student, and good driver.
- GEICO offers discounts including emergency military deployment, military active duty, multi-vehicle, federal employee, driver training, and five-year accident-free.
- Mercury Insurance offers discounts for low natural disaster claims, location of vehicle, type of vehicle, anti-theft, and multi-car.
- Farmers Insurance may include discounts for switch companies, homeowner, mature driver, pay in full, electronic funds transfer, and alternative fuel.
- Progressive offers premium reductions for online signing, multi-policy, good student, continuous coverage, homeowner, and multi-vehicle.
The chart below shows the comparison of auto insurance costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple vehicle, passive restraint, defensive driving course, and marriage discounts applied. In this example, the average savings per year on auto insurance for teachers is 28% or $596.
Why you are probably overpaying for car insurance
Georgia auto insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Improving your credit rating, buying a different home, or getting a driving violation can trigger price changes resulting in some companies being more affordable than the competition. Not only may your situation change, but insurers change rates as often as every three months as an adjustment for underwriting gains or losses. Higher than normal claims can cause additional premium costs, while less frequent claims may cause more affordable Georgia car insurance rates.
To illustrate this point, the data below analyzes the cheapest car insurance in Georgia for a 45-year-old male driver with no prior claims, no tickets, and a good credit rating. If we look at prices based on his current risk factors, Auto-Owners has the most affordable car insurance rates in Georgia at $855 a year. This is $674 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining cheapest Georgia auto insurance companies.
In this next rate comparison, we will give the driver from the above example an accident surcharge, less-than-perfect credit, and a traffic ticket or two. Because each insurer uses their own method for determining prices, comparing prices most likely will result in a new list of the cheapest car insurance companies in Georgia as shown below.
The Hartford now has the best auto insurance rate in Georgia with Georgia Farm Bureau, Safeco, Mercury, and Country now being in the top five. This example proves why it is crucial to shop around with many companies to find cheap auto insurance quotes for teachers.
Rates are calculated by many risk factors and can increase or decrease at any time, so the cheapest option the last time you checked may now be priced much higher than other options.