Auto Insurance in Atlanta Georgia GA (Top 100 Money-Saving Cars)
By: J.D. Triplett, Researcher
Atlantans looking for an Atlanta auto insurance plan know that if you live in ZIP 30030 your insurer’s rate will be different than if you lived in 30327. Curiously enough, what most Atlantans don’t know, is that the type of car you drive down Peachtree Street also greatly determines how much money you’ll pay for Atlanta Atlanta vehicle insurance.
Article Quick Links (Atlanta GA Auto Policies):
1.
Atlanta’s Liability (cheapest cars to insure)
2.
Atlantas Comprehensive (cheapest cars to insure)
3.
Atlanta Collision (cheapest cars to insure)
Well Let’s Get Started………….
Atlanta Liability Insurance - The price of impressive Atlanta GA auto insurance (Liability) is greatly affected by the specific brand/model of car you choose to drive in Buckhead, or anywhere else.
Atlantans……. here it is. This impressive table below shows the cheapest brands/models (2006 BMW X3, BMW, etc.) of vehicles to insure for Liability assurance coverage.
One of Atlanta’s insurers that we talked to, Darlene from AIG, stated that the reasons for the varying price in such models is that the different vehicle brands/models have different accident claims histories associated with them (some impressive, some not-so-impressive).
Another local Atlanta agent, Greg from Nationwide, put it simply by stating: “The more accidents a vehicle brand-model type is in [reported claims] the more accident-prone it is considered, and therefore the higher the insurer’s rate.”
Amazing Tip: The younger (newer) a car model type is the lower its insurance rates will be.
Curiously enough, the newer a vehicle model is, the lower its insurance rates will be with Atlantan insurers, because the newer models do not have a history of claims against them (not yet at least), but Darlene from AIG advised that, in time (about 2-3 years), this newer model’s claims history could eventually mount, and its insurance rates would rise to follow its claims history (Reps from Amica Mutual Insurers also verified this tidbit of information for us).
Are You Serious!?!?!…………. confused yet young Atlantan???? Okay…… to say it a different way: if BMW releases a brand new model of car (not a new year’s model, but an actual different type of model); because this brand-new model name does not yet have a history of car accident claims (not yet at least) against it, an automobile insurer - like Amica Mutual Insurers - haven’t yet assessed it as being more accident-prone - therefore its coverage rates remain low for Atlanta Georgia auto insurance.
Getting On With the Subject………
Atlanta’s Comprehensive Coverage - Cheapest Vehicles
Amazing Tip: The more often a car gets stolen, statistically (Most Stolen List), the higher the comprehensive coverage rate will be for it (Atlanta GA automobile insurance) (Example: 2006 BMW X3 versus another BMW model).
So a impressive practice is to avoid models that are on the ‘Most Stolen List’ to keep your Comprehensive coverage rates low, therefore saving money.
Call your local DMV (Phone # (404) 656-5267 - 2 Capitol sq SW) or local AAA (Phone # (404) 843-4500 - 4540B Roswell Road, ATL, GA 30342) if you want to get this list of Most Stolen Cars.
Getting On With the Subject………
Atlanta’s Collision Coverage - Cheapest Vehicles
Amazing Tip: Curiously enough, of all the vehicle groups on the road, vans & mini-vans consistently receive the lowest rates from insurers for Atlanta liability, comprehensive, and collision coverage (Atlantans rejoice!).
Amazing Tip:: The more rare your automobile is in Atlanta (or anywhere in the US for that matter), the fewer accident claims it will have against it, and therefore the more money saved.
Atlantans have a median household income of $39,752, and therefore most of Atlanta’s drivers are looking for impressive ways to save money on auto insurance plans. When searching for Auto Insurance in Atlanta Georgia GA, the best advice is to choose your Car Model wisely (BMW, 2006 BMW X3, etc.)
