Finding affordable auto insurance in Augusta is not always easy, but when you shop online for Augusta auto insurance, you’ll find plenty of information that will help you to make the right insurance decision. Driving around town or calling all day on the phone to find car insurance does work, but it is very time consuming. Shopping and comparing car insurance coverage is much easier when using the internet.
You’ll be able to compare benefits and rates from several insurance companies at the same time all while saving valuable time and energy. You’ll also rest easy in the knowledge that you are informed about all the options before making a decision. You can start saving on your car insurance in Augusta by entering your zip code in the box above.
Car Insurance Agents in Augusta
Augusta car insurance agents work in the local community to assist area residents with finding the insurance coverage that is right for them. Many represent only one major insurance carrier while others can offer quotes from multiple carriers.
For those drivers who like personal one on one attention, an insurance agent may be the best choice for getting help with car insurance in Augusta. The following insurance companies are some of the major names in the auto insurance industry. We’ve included links so you can easily find an agent in your local area.
Allstate Insurance Company maintains a team of 21 agents to assist residents with auto insurance in Augusta, Martinez, Grovetown and Evans.
Farmers Insurance does not provide auto insurance in Georgia. Instead, 21st Century, which is part of the Farmers Insurance Group, offers coverage through their website and by phone.
There is one Geico insurance representative with offices in Augusta.
Progressive Insurance offers 28 agent offices in Augusta.
There are 24 State Farm Insurance agent offices in Augusta, Martinez, Hephzibah, Evans, Waynesboro, Wrens, Thomson, Lincolnton, Louisville, Washington and Sylvania.
Consumers may use the Georgia Office of Insurance and Safety Fire Commissioner to search for licensed insurance agent information. The site details license status, continuing education credits, types of insurance agent may represent and company appointments as well as any agency affiliations.
Please get in touch with us via our email form if your agency is not included in our resource listing. We only accept individual agent listings in our paid feature section.
Augusta Car Insurance Rates
Based on research by CarInsurance.com, auto insurance premiums in the State of Georgia are rather high. Their average annual premium is $1,850. Fortunately for Augusta drivers, the average premiums for August auto insurance are $1,413 or 24 percent lower than the state and 29 percent lower than the national average of $1,998.
Driving in Augusta
Augusta, Georgia is considered a consolidated city often called Augusta Richmond County. Its population totals almost 196,000, but when included in the metro area of Augusta-Richmond, the population swells to almost 557,000 residents. It is the 2nd largest city and metro area in Georgia just after Atlanta and is most famous for being host of golf’s Masters Tournament each year.
Interstate 20 runs through Augusta and links it to Columbia, SC in the north and Atlanta in the south. Traffic in the city is fairly average for its population size, and the 2011 INRIX Traffic Scorecard determined that Augusta ranks 94th out of 100 cities for traffic congestion. With many drivers on the road and traffic congestion prevalent, the city’s ranking for best drivers is also average.
The Allstate 2011 Best Drivers Report placed Augusta as 82nd out of 200 cities for best drivers. It was actually a decrease in rank from being 60th out of all cities in the 2010 Best Driver ranking. Richmond County’s traffic fatalities in 2010 were at 19 according to the Traffic Safety Facts Report of 2006-2010 by the National Highway Traffic Safety Administration. Deaths caused by traffic accidents actually decreased from 2009 to 2010 by 32 percent.
The television news station, WRDW-TV 12, provides sigalert traffic reports for Augusta on its traffic website. Area residents can create driving routes and receive alerts when there are traffic conditions that will cause delays.
Georgia Auto Insurance Laws
Protecting yourself financially requires an understanding of Georgia auto insurance laws. The first issue that affects most drivers is the state’s requirement that every motorist carry minimum amounts of liability insurance. While state minimums are $25,000 for bodily injury per person, $50,000 for bodily injury per occurrence and $25,000 for property damage, these limits are typically not enough to fully protect drivers should they be involved in an accident.
Bodily injury and property damage liability only pay for repairs to another person’s vehicle if you are the cause of an accident. This minimum coverage will not provide payments to repair your car or pay for your medical expenses if you are injured. Only collision and comprehensive insurance covers your vehicle. It is important to understand how Georgia car insurance works so that you can purchase enough insurance protection to safeguard your vehicle and finances.
Augusta Car Insurance Quotes
Because rates and coverage for Augusta car insurance can change from year to year, it is vital for drivers to shop for insurance at each renewal. That allows motorists to stay on top of any recent changes to car insurance coverage or pricing to ensure they are receiving the best possible rates and policies. You can find additional savings on your auto insurance in Augusta by inputting your zip code in the box below. You’ll receive instant quotes from some of the nation’s top insurance companies. Then you can compare and evaluate the offers to find the most affordable policy that meets your coverage needs.