When looking for cheap car insurance in Atlanta, GA it is important to understand how your rates will be calculated. There are a number of factors that can affect your Atlanta vehicle insurance and using the expertise available at Georgiacarinsurancequotes.net can be an excellent way to help you save money. Of course, there will be factors you can control and some that you cannot, but finding the best automobile insurance is often a matter of understanding how the process works.
Discover Great Savings with Average Atlanta Car Insurance Quotes
Residents of Atlanta pay an average of $1,461 per year for their motor vehicle insurance. However, this is a considerable savings over the average rate for DeKalb County in general. In fact, Atlanta residents pay on average 3.8 percent less than the mean insurance rate for their county. They also pay 16 percent less than the mean quote for residents in the state of Georgia as a whole.
Factors that Affect Auto Insurance in Atlanta, Georgia
There are certainly many factors that will affect an individual’s insurance rates. These factors can include things such as the type of car that you drive, the number of miles you typically drive in a year, your credit score, your age, sex and even occupation.
• Location — Where you live can have a major impact on how much you pay for automobile insurance. People who live in higher populated zip codes will typically pay higher insurance premiums. In 2010 Atlanta had a population of 420,003 and a population density of 3,188 people per square mile.
• Driving to Work — The distance you travel to work can play a major role in the amount you pay for your automobile insurance. In fact, even the time of day that you drive to work will be a factor. For example, if you commute during peak rush hours, you can expect that your automobile insurance will be higher; however, if you commute during hours that generally have less traffic, you will likely find that your insurance rates are reduced. The average commuter in Atlanta spends 20 to 25 minutes driving to work. In 2009, traffic fatalities in Atlanta averaged 8.3 per 100,000 population and 12.7 for the state of Georgia. It is clear to see how the distance traveled and the traffic density can play a role in insurance premiums.
• Auto Thefts — One factor that many people never even consider is the vulnerability of their vehicle to theft. Insurance companies calculate rates based on a number of factors that contribute to their risk. For example, where you live, the type of vehicle you drive and whether your car is equipped with an anti-theft device can all be important criteria when calculating your insurance rates. In 2010, there were 5,043 auto thefts in Atlanta, which translates to 940 thefts per 100,000 people.
• Education — Insurance companies also use an individual’s level of education in determining insurance rates. Typically, the higher the education level you have attained, the lower your insurance rates will be. In Atlanta, 22.3% of the population has earned a High School diploma which is considerably less than the state-wide average of 28.7%. However, 20.9% of the residents in Atlanta have earned a Bachelor’s degree which is significantly higher than the state average of 16%.
When you want to find the best rates for automobile insurance in Atlanta, simply fill out the box located on this website. Then Georgiacarinsurancequotes.net will use its top-of-the-line database to find you the best free online rate quote to help you save money.Georgia State Facts on Wiki
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