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On average, a good driver in Georgia with a late model car can expect to pay $800 a year in car insurance premiums. Although this is obviously a fairly good rate, it's always worth it to try and secure as low a rate as possible. The most effective way to do that is to compare low cost car insurance rates between a few different companies.
The best place to start your search is by asking friends, relatives and associates who they use for their car insurance needs. The reason this is a good idea is that most people will be forthcoming regarding their treatment by their car insurance agent and company. In addition to finding the lowest possible price for insurance you also want to ensure that you are dealing with a reputable company. Once you've gotten a few names of possible insurers, it's time to get down to business.
When you contact each agent inquire about any discounts that they may offer. There are some basic discounts that all companies offer including good student discounts, security feature discounts, which typically include parking the vehicle in a locked garage or installing a car alarm. Other available discounts some insurers offer are low mileage discounts and multi-policy discounts.
As soon as you've found the lowest rate it's time to begin the process of buying a policy. You may still be able to secure an even lower Rate of those who have already given. First, ask for a higher deductible. If the agent has quoted a price based on an allowance of $ 250, get a quote for the same policy with a deductible of $ 1,000. You should also ask about different payment options. Normally, if you pay premiums once a year you save all service charges, which are available for those who want to pay more frequently.
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