Statesboro Car Insurance

Your Complete Guide to Statesboro, GA Car Insurance

When you need coverage for an affordable price

The blues-inspired town of Statesboro, GA is known for its part in musical history. One of the largest cities in the county, Statesboro has a big impact.

When you drive streets of this city with 31,379 residents, you'll need adequate coverage. An independent insurance agent has access to local markets that can save you money. You can connect easily with an expert today. 

Ways to Save on Your Statesboro, GA Car Insurance

Your exact car insurance premiums can only be determined by running quotes. An independent agent can go over ways to cut costs and which carriers will be best for your situation. Let's take a glance at what insurance companies look for:

  • Location
  • Claims history
  • Coverage selection
  • Discounts
  • Crime rates
  • Credit score
  • Driving record

It won't matter if you drive a family car or an ATV, you'll want ways to save. Since carriers use personal data and history when setting a rate, you have some control over your premiums. An agent can show you which items will impact your costs the most. Contact a Statesboro independent agent to review. 

Why Required Car Insurance in Statesboro, GA May Not Be Enough

Like worker's compensation insurance, car coverage is mandatory in Statesboro, GA. While you need to have at least the minimum limits required, coverage may not be sufficient. Connect with a local agent to see ways to protect yourself better. Take a look at Georgia's mandated car insurance:

  • Minimum requirements in Georgia: $25,000 per person/ $50,000 per accident/ $25,000 property damage

Uninsured/underinsured motorist liability:

Uninsured/underinsured motorist liability coverage is not required in Georgia, but it's necessary. When you get into an accident with an uninsured at-fault driver, this coverage will help pay your expenses. Let's look at the facts:

  • National percentage of uninsured drivers: 13.0%
  • Georgia's percentage of uninsured drivers: 12.0%

Your car's liability limits are your first line of defense against a claim. To have adequate protection, speak with a professional about coverage. State minimum limits are usually not enough, so get an independent agent to help with the right policy.

How Statesboro, GA Theft Will Impact Your Car Insurance Premiums

Whether you drive a fancy sports car or truck and trailer, local crime will impact your premiums. The more criminal activity in an area, the higher your costs go. An independent agent can help lower your premiums with price-saving techniques. Let's look at the average theft rates per 100,000 vehicles:

  • National average: 228.90
  • Georgia average: 235.40
  • Statesboro average: 110.00

Only a professional can decipher how much of an affect Statesboro theft will have on your costs. An agent can recommend other ways to save when the crime rate has a larger impact. Connect with a Statesboro independent agent to discuss further. 

Why Your Statesboro, GA Car Policy May Not Have the Coverage You Think 

Most insureds are not aware that their auto policy only has state minimum liability until it's too late. If you want adequate protection, you'll have to add it. An independent agent can show you which coverages to get. Check out a few of your auto policy options below:

  • Comprehensive coverage: Will replace or repair your car if damage occurs when struck by an object.
  • Collision coverage: Will repair damage to your vehicle when a crash occurs.
  • Rental coverage: Will pay for a rental car while your covered auto is in the shop.
  • Tow coverage: Will pay for the tow of a covered vehicle.
  • Gap coverage: Will pay for the difference between your auto loan and your car's value when a total loss happens.

If you want better coverage but need to save money, consider bundling. When you bundle your auto and home insurance, you can save big. Speak with a Statesboro independent agent on more discounts that could apply.

If You Drive for Uber in Statesboro, GA, You May Not Have Coverage

Uber driving in Statesboro, GA is strictly prohibited on a personal auto policy. In the event of a loss, you would be denied coverage and responsible for any out of pocket expenses. 

To have proper protection, speak with your adviser about commercial auto insurance. Since you are performing business services, business insurance is necessary. Contact a local independent agent to get the right commercial policy for your operation.

How to Connect with a Statesboro, GA Independent Insurance Agent

To get the best coverage and rates in town, use an independent insurance agent. They have access to several carriers, saving you time and money. 

An independent agent works on your behalf for nothing, doing all the shopping for you. They have options that others may not have with their network of local companies. Go to TrustedChoice to get matched with an expert today.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn Article | Reviewed by Jeffrey Green

©2021, Consumer Agent Portal, LLC. All rights reserved.