Factors Influencing Car Insurance Premiums for 2022 in Atlanta

With the turn of a new calendar year comes, for many, time to re-evaluate finances and as such you may be considering whether or not to stick with your current car insurance provider.  There are several factors that may influence your decision to either stay with Georgia Farm Bureau or perhaps to switch things over to Allstate or Geico.  Here, we’ll break down exactly what factors may have your premiums sky-rocketing, and let you know which of your circumstances can help you save some cash.

Coverage type

Before you take out an insurance policy, consider the coverage that is appropriate for you and your vehicle.  Full coverage insurance including comprehensive coverage will see you’re insured against theft and other events outside of your control.  Such events are often referred to by insurers as “acts of God”.  A full coverage policy should also include collision coverage, which will include any damages to your vehicle that occur as a result of hitting another vehicle or other object.  Under Georgia State law, all drivers are required to have liability insurance coverage as a minimum.

Uninsured and Underinsured Coverage

One of the most important types of coverage is Uninsured/Underinsured Coverage. As of the date of this writing, the State of Georgia does not require Uninsured/Underinsured Motorist coverage. UM Coverage is used when the at-fault driver does not have any liability car insurance or the at-fault driver does not have enough liability insurance. There are two types of UM coverage called “Reduced UM” and “Added On UM”.

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