It is a really great feeling when you stumble upon things that make it really easy to accomplish tasks that you otherwise consider troublesome. Take for example the seemingly cumbersome chore of searching for cheap car insurance in Columbus, GA. The job becomes so simple if you use sites such as Georgiacarinsurancequotes.net, where you gain access to information that will enable you to snag the best deals when it comes to vehicle insurance.
Average Columbus Car Insurance Quotes – Save At Least $368 Yearly
Residents of Columbus are lucky and can save hundreds of dollars a year if they purchase their automobile insurance locally. The local average rate is $1,400. The average for Muscogee County is a little higher at a mere $1,405. Both the average for the State of Georgia and the United States of America as a whole is quite higher at $1,771 and $1,768, respectively.
Factors that Influence the Final Rate of Car Insurance in Columbus, Georgia
There are a lot of factors that insurance companies take into consideration when coming up with the final rate they give. Each driver or registered owner of a vehicle will pay varying rates based on all these factors. Your credit score will also play a role in this, even your current job, age, civil status and more. The following are also taken into account:
- Location — Where you live will partly dictate how much you will ultimately have to pay for your vehicle insurance. Particularly, it is the actual population of where you live. Companies figure that the population is directly proportional to the number of vehicles. Connected to that, the more automobiles in an area will increase the risk of accidents happening. Good thing for residents of Columbus that the data collected in 2007 shows a population count of 185,888. Distributed across the whole area, Columbus is considered to have a low population density, at 860 residents per square mile. This is why the average rate is low compared to that of the County, the State and the Country.
- Driving To Work — The regular time you drive to work also affects your final rate. Specifically, what is being taken into account is whether you drive during the peak traffic hours or the off-peak periods. This is also correlated to how long you drive to work. Accidents are more likely to happen during the peak periods and the risk increases the longer it takes you to traverse the roads, all of which will make the rate higher. Another reason why the average auto insurance rate in Columbus is pretty low because the average time it takes for a person to commute is a mere 19.9 minutes. Also, there have been 10.2 fatal accidents per 100,000 recorded in 2008, compared to a much higher 15.7 in Georgia as a whole.
- Auto Thefts — Other than vehicular accidents, auto thefts are one of the risks covered by insurance policies. If you live in an area with a high risk of auto thefts, or if your vehicle is a favorite among car thieves, then you will most likely have to pay higher rates than average. One way to help lower the final insurance premium fee is to install devices that inhibit theft such as alarms or wheel locks. In 2009 alone, there have been 815.1 auto thefts per 100,000 residents recorded in Columbus.
- Education — Just when you thought that your literacy has nothing to do with how much you end up paying for automotive insurance, you are asked by the agent about it. The higher your educational attainment is, the lower your rate goes. Those who plan to at least finish college get discounts right away, more so if you already hold a bachelor’s degree or even higher. 28.2% of the residents in Columbus have finished their high school education but have not pursued any college studies, which is lower than the 28.7% for Georgia as a whole. Sadly, there are only 12.4% who have earned their bachelor’s degree compared to the 16% in the whole State. However, the number of those who are pursuing their college education are looking good and higher compared to the State-wide numbers.
Do not limit your knowledge with the information stated above. You can get free quotes in an almost instant that are tailor fit to your particular situation, rather than just mere averages. All you need to do is to simply fill out the widget below from Georgiacarinsurancequotes.net and you can start saving hundreds from your annual insurance policies.Georgia State Facts on Wiki
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