How to Get Car Insurance Discounts in Georgia: Save on Costs and Get Better Coverage
Written by Team Clearcover | July 21st, 2021
4 minute read
Digital auto insurance makes saving money easy.
If you’re looking for the cheapest car insurance in Georgia, you don’t necessarily have to go with less coverage to get a better price.
You can use car insurance discounts to your advantage to lower your insurance costs without giving up important coverages that you’d need if you were in an accident.
In this article, you’ll learn:
What car insurance discounts in Georgia are available (and how to get them!)
The average cost of car insurance in Georgia
The required minimum car insurance in Georgia (and why that’s important when considering auto insurance costs)
Other auto coverages available to Georgia drivers through Clearcover
How to save money on car insurance costs through the power of technology
While some auto insurance companies advertise discounts as specific to their customers, many of these discounts are widely available throughout the industry. And there are a variety of discounts available—in Georgia alone, Clearcover Insurance Company offers 16 total.
(Clearcover makes it super easy to automatically reduce your auto insurance premiums with discounts if you’re eligible. No need to call and ask for them. More on that below.)
How to get car insurance discounts in Georgia
One of the easiest ways to save money on your premiums is by qualifying for Georgia car insurance discounts.
To get an auto insurance discount applied to your policy, you have to meet certain rules that determine your eligibility to receive it.
Learn more about how car insurance discounts work.
Depending on your insurance company’s process, it can often be unclear what discounts are available, how to qualify for them, and how to get the ones you do qualify for added to your policy.
Overall, there are three primary ways to get a car insurance discount with your insurance company:
Call a customer service representative to ask what additional discounts in Georgia are available.
Connect with your insurance agent to see what discounts you’re getting now, what discounts you could be getting, and update your policy if needed.
Use the power of technology to have most of the discounts you’re eligible for automatically added to your policy. (This is what Clearcover does for our customers! We make it really easy and use the power of technology to apply discounts to your policy automatically.)
Car insurance discounts available in Georgia
Some auto insurance discounts are based on your driving habits, while others are available for vehicles with certain safety features.
While most drivers may not be eligible for every single discount available through their insurance company—since getting a discount added to your policy depends on meeting set requirements—discounts still offer a lot of opportunity to save money easily.
(And Clearcover offers Georgia drivers 16 different money-saving discounts! Check your price today.)
Here’s a quick list of Georgia car insurance discounts available, and then let’s dive into the details below! (However, skip this section if you’re looking for insight on if cheap car insurance in Georgia is right for you!)
Good Driver Discount
Defensive Driver Discount
Student Away at School Discount
Driving Experience Discount
Good Student Discount
Anti-Theft Discount
New Vehicle Discount
Anti-Lock Brake Discount
Restraint Discount
Financial Responsibility Discount
Seat Belt Discount
Multi-Vehicle Discount
Continuous Insurance Discount
Multi-Line Discount
Military Discount
Deployed Driver Discount
Good Driver Discount
A discount to reward great drivers based on age and driving history qualifications.
Defensive Driver Discount
For drivers of any age who meet the criteria for the Good Driver Discount and have completed a defensive driving course or driver’s education course.
Student Away at School Discount
For students on your policy who are away at school and meet certain eligibility requirements.
Driving Experience Discount
For drivers who have held their license for at least one year.
Good Student Discount
For the smartypants student on your car insurance policy between 16 and 24 that meets certain eligibility requirements.
Anti-Theft Discount
For vehicles equipped with anti-theft devices.
New Vehicle Discount
For new cars that are 3 years old or younger.
Anti-Lock Brake Discount
For vehicles equipped with a factory-installed Anti-Lock Braking System.
Restraint Discount
For vehicles that have eligible passive restraint systems (for example: airbags that activate upon collision or seat belts that tighten if you stop suddenly).
Financial Responsibility Discount
For the customers who love to pay their household bills on time—eligibility for this discount is based on your credit-based insurance score.
Seat Belt Discount
For drivers who make a commitment that everyone in their car will wear seat belts at all times—even in the back seat.
Multi-Vehicle Discount
For those who are insuring multiple cars or drivers on their policy.
Continuous Insurance Discount
For drivers who have been continuously and regularly insured all through their driving history (even if you weren’t insured with us!).
Military Discount
A discount to honor those on active duty, serving in the Guard/Reserves, enrolled as a junior or senior cadet of a military academy, or a retired member of the Armed Forces of the United States.
Multi-Line Discount
For those who love to bundle. If you have other qualifying insurance policies underwritten by Clearcover or written through Clearcover Insurance Agency, you may be eligible.
Deployed Driver Discount
For drivers sent overseas due to military service or occupations if certain criteria are met.
Looking for the cheapest car insurance in Georgia?
While everyone loves to save money, going with the cheapest car insurance in Georgia that you can find doesn’t always mean you’ll have the coverage you actually need if you’re in an accident.
Learn more about low-cost car insurance policies.
If you’re looking to save money on your premiums (without losing coverage), a good place to start is with an overall understanding of:
Car insurance discounts available to you (such as the ones above)
The average cost of car insurance in your area
Your state’s minimum insurance requirements and
How to switch car insurance companies if you need to
The average cost of car insurance in Georgia
If you’re a Georgia driver in your 30s, your average cost of car insurance is estimated to be a little more than $1,300 per year, according to The Zebra.
However, car insurance costs depend on a number of factors—and your costs are based on your unique situation, including what type of car you drive, where you drive, how much you drive, and more. Read How does car insurance pricing work? to learn what information is considered when calculating your car insurance quote.
Knowing the average cost for your area can help you understand if you’re currently overpaying, but getting a car insurance quote is the absolute best way to know what your unique insurance costs are.
And if you haven’t changed your car insurance company in years, switching car insurance companies is often the best way to get a better price, even after car insurance discounts are applied to your policy.
But first, what auto insurance coverages are basic must-haves? Let’s take a closer look below—this is key information to understand if you’re looking for low-cost car insurance in Georgia.
Georgia’s state-required car insurance coverage
Knowing your state’s minimum required car insurance coverage can help you when you’re shopping for the most coverage at the best price.
The required state minimum is important because this is basic, bare-minimum coverage. And when you’re hoping to save money by going with the cheapest car insurance in Georgia, it’s likely that the lowest cost policies would be based on bare-minimum coverage (or lower coverage amounts in general).
But going with a basic car insurance policy could cost you significantly more in the long run. Find out if cheap car insurance is worth it for you.
Here’s the required car insurance in Georgia:
Bodily Injury Liability Coverage: A minimum of $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage: A minimum of $25,000 per accident.
Uninsured/Underinsured Motorists Bodily Injury Coverage and Uninsured Motorists Property Damage Coverage: Georgia drivers are able to reject one or both of these coverages. However, many Georgia drivers decide to carry these coverages (as it’s risky not to). It’s estimated that 12.4% of Georgia drivers are uninsured on the roads, which can put you at financial risk if you’re in an accident with one of them.
Check out our guide to Georgia car insurance for more information, including additional coverages available to Georgia drivers. (Clearcover goes beyond basic car insurance coverage—and at a better price. Get your quote today.)
How to save money on car insurance with discounts (and the power of AI)
Back to Georgia car insurance discounts! You landed here because you want to save money on your car insurance—and knowing the average costs, required state minimums, and discounts that are available is a great start.
But what if it was easier to save money on car insurance in Georgia? And what if you didn’t have to call up your car insurance company and hustle for discounts?
You don’t have to with Clearcover.
Remember, we apply any discounts you’re eligible for automatically when you get a quote.
How? By using smart technology and the power of AI to simplify your car insurance experience. And if you get in an accident and have to file a claim, we use the same technology to provide you with a faster, more reliable claims experience, too (our current record is 7 minutes).
Clearcover uses the newest insurance tech on your behalf to save you money the easy way—and without skimping on coverage. That means there’s no need to sign up for the cheapest car insurance policy in Georgia if it doesn’t have the coverages you want or need.
You can save money on better coverage today. And we make it hassle-free to switch your car insurance company (and easy to get those Georgia car insurance discounts you might be eligible for) all in one sweep.