If you live in Marietta, Georgia, having the right auto insurance coverage is crucial to protect yourself financially in the event of an accident or other incident. But with so many insurance providers to choose from, how do you find the best car insurance quotes in Marietta?
Getting quotes from multiple top insurers is the key to finding the right policy at the lowest price. This article will cover tips on comparing Marietta car insurance quotes and picking the best policy for your needs and budget.
Average Cost of Car Insurance in Marietta
Across the city, drivers pay an average of $1,395 per year for auto insurance coverage. This works out to about $116 per month. However, your own premium can vary significantly based on factors like:
- Your age
- Driving record
- Years licensed
- Credit history
- Type of vehicle
- Miles driven annually
- Selected coverage limits
Younger drivers and those with accidents or tickets typically pay the most, while middle-aged drivers with clean records get the lowest rates. Comparing personalized quotes is the only way to find your best price.
Minimum Georgia Car Insurance Requirements
Georgia law requires all motorists to carry liability insurance coverage at minimum levels, which include:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
This coverage pays for medical bills, lost wages, vehicle repair costs, and other damages if you cause an accident. However, minimum liability offers limited protection for yourself and your car.
Consider adding more robust coverage like:
- Comprehensive – Covers damage from vandalism, weather, fire, and theft
- Collision – Pays for repairs to your vehicle after an accident
- Uninsured motorist – Protects you if hit by a driver with no insurance
- Personal injury protection (PIP) – Helps pay immediate medical expenses for you and passengers
Top Marietta Car Insurance Companies
The insurer you choose has a major impact on what you’ll pay. Here are some of the top insurers providing competitive rates in Marietta:
As the largest auto insurer in the U.S., State Farm offers a wide range of coverage options and discounts and has strong financial backing. But being too big can also mean impersonal service.
Allstate features low rates for drivers with excellent credit and accident-free records. But they may not be the cheapest if you have tickets or a less-than-perfect credit score.
Known for innovative tools and features like the Name Your Price tool, Progressive provides very competitive pricing. Customer service satisfaction is mixed, however.
GEICO focuses on low-cost policies and has some of the cheapest rates for good drivers. Policy options are straightforward without a lot of bells and whistles.
Travelers insurance customers tend to be very satisfied thanks to quality service and coverage. But premiums may be pricier than options like Progressive and GEICO.
Be sure to get quotes from a range of companies to find your best options and rates. An independent insurance broker can provide quotes across multiple insurers.
Important Factors in Marietta Car Insurance Costs
Insurance companies weigh several criteria about you and your vehicle to determine premiums. Key factors that can raise or lower your Marietta auto insurance rates include:
Younger drivers under 25 are considered higher risk and have much higher average rates. Premiums start decreasing once you reach your 30s and 40s.
Drivers with accidents, speeding tickets, DUIs, or other violations see large rate hikes. A clean record saves you the most.
Drivers with poor credit pay over double compared to those with “good” credit scores above 700. Improving your credit can lower premiums.
Insurance rates in Marietta are higher compared to other Georgia cities and rural areas due to congestion and higher accident frequency.
Insuring sports cars, luxury vehicles, and large SUVs that are expensive to repair costs more than insuring an economy sedan.
Drivers with long commutes and high annual mileage have more exposure to accidents. Low mileage saves on premiums.
Comparing quotes that account for these factors from multiple top insurers is the key to finding the best deal.
How to Save on Marietta Car Insurance
Besides shopping around, there are other ways to secure a low rate on Marietta auto coverage:
Choosing a higher deductible of $500, $750, or $1000 means you pay more out of pocket during a claim. But deductibles above $250 can reduce your premiums significantly.
Drop Extra Coverage
Removing comprehensive and collision coverage on an older car can lower your premium if repairs would exceed the vehicle’s value.
Take a Defensive Driving Course
Completing an approved defensive driving course qualifies you for a discount of around 10% with many insurers.
Bundle Home and Auto Coverage
Buying multiple policies from one insurer earns a multi-policy discount of up to 20% in some cases.
Maintain Good Credit
Fixing errors on your credit report, limiting hard inquiries, and keeping credit card balances low helps boost your score to save money.
Limit Teen Drivers
Ask about discounts for teens who maintain a B average, complete driver’s ed, limit night driving, and drive your older vehicles.
Comparing quotes and policies carefully while looking for available savings opportunities ensures you find the best value.
How to Get Marietta Car Insurance Quotes
Getting rate estimates only takes about 15 minutes when you follow these steps:
Determine coverage needs – Decide which types of insurance and coverage limits best fit your situation. Georgia requires liability but comp, collision, and other coverage is optional.
List all drivers – Compile details like birthdays, license statuses, and driving records for all household members that drive your vehicles.
Identify vehicles – Note the year, make, model, and VIN of all cars on your policy. Also gather mileage and usage details.
Compare quotes – Get personalized quotes online or over the phone from at least 4-5 top insurers. Compare premiums as well as coverage, discounts, and ratings.
Pick the best policy – Choose the policy giving you the right protection at the lowest overall cost from a reputable insurer.
Shopping around ensures you don’t overpay for Marietta auto insurance. Quoting regularly and at major life events helps keep your premiums as low as possible.
Top 5 Car Insurance Companies in Marietta
To give you a headstart, here are five of the most competitive insurers providing cheap car insurance quotes in Marietta:
|Average Annual Rate
USAA offers the lowest rates on average, but only for military members and families. Among mainstream insurers, State Farm and GEICO tend to offer the most affordable pricing in Marietta.
Frequently Asked Questions
How much is car insurance per month in Marietta?
On average, drivers in Marietta pay about $116 per month for car insurance. However, your exact rate depends on many personal factors.
How can I get the cheapest car insurance in Marietta?
Comparing quotes from multiple companies and taking any available discounts is the best way to find the cheapest car insurance in Marietta. Consider insurers like GEICO, State Farm, and Progressive.
What is the cheapest car insurance company in Marietta?
For most drivers, GEICO and State Farm tend to offer the lowest average car insurance rates in Marietta. But discounts from other insurers could provide lower pricing for some individuals.
What all does car insurance cover in Marietta?
Georgia requires liability insurance, which covers damage or injuries you cause in an accident. Optional coverage like comprehensive and collision pay for repairs to your own car from damage, theft, or accidents.
Does Marietta require car insurance?
Yes, the state of Georgia requires all drivers to carry minimum liability coverage. You can face fines and license suspension for driving without mandatory insurance.
Shopping around for the best car insurance quotes in Marietta takes a bit of effort but can save you hundreds per year on your policy. Comparing customized quotes provides the truest apples-to-apples comparison and helps you protect your vehicle affordably.
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