{"id":478,"date":"2021-12-09T20:21:02","date_gmt":"2021-12-09T20:21:02","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=478"},"modified":"2025-12-12T21:17:34","modified_gmt":"2025-12-12T21:17:34","slug":"6-car-insurance-tips-every-southerner-should-know","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/6-car-insurance-tips-every-southerner-should-know\/","title":{"rendered":"6 Car Insurance Tips Every Southerner Should Know"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know.png\" alt=\"auto insurance paperwork\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <p><span data-contrast=\"auto\">Georgia drivers\u00a0have a variety of options for finding\u00a0the best\u00a0and cheapest\u00a0possible\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/auto-insurance\/\"><span data-contrast=\"none\">car insurance<\/span><\/a><span data-contrast=\"auto\">\u00a0rates. We understand that you have a limited budget for car insurance, and we\u2019ll work with you to help you maintain the lowest possible rates. When you live in the southern United States, there are numerous steps you can take to lower your Georgia insurance rate. You can save quite a bit of money, whether you&#8217;re spending some time asking your insurer about discounts and determining what you qualify for, taking a defensive driving course, or submitting a copy of your student&#8217;s report card.<\/span><\/p>\n<p><span data-contrast=\"auto\">When it\u2019s time to shop for car insurance, put this list of tips for saving money on\u00a0affordable\u00a0Georgia\u00a0car\u00a0insurance to work for you.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Look for Common Discounts\u00a0on Auto Insurance<\/h2>\n<p><span data-contrast=\"auto\">As you purchase cheap\u00a0auto\u00a0insurance in Georgia, you may be eligible for one or more common discounts. These discounts can help lower the overall cost of your car insurance, making it more affordable to obtain the best possible policy.<\/span><\/p>\n<p><span data-contrast=\"auto\">There are numerous common discounts offered by insurance companies, including the following:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Anti-theft Devices:<\/span><\/b><span data-contrast=\"auto\">\u00a0Having anti-theft devices installed in your vehicles can lead to lower rates. These devices make it easier to recover a stolen vehicle, and most companies are happy to pass a portion of this savings down to their customers.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Bundle Coverage:<\/span><\/b><span data-contrast=\"auto\">\u00a0Purchasing your\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/home-insurance\/\"><span data-contrast=\"none\">home insurance<\/span><\/a><span data-contrast=\"auto\">, automobile insurance, and any other insurance you need from a single company can help lower insurance rates overall.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Drivers Ed Courses:<\/span><\/b><span data-contrast=\"auto\">\u00a0Making sure that any teen drivers in the family have taken driver education classes, either through their school or privately, can dramatically reduce your insurance rates.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Long-Time Customer:<\/span><\/b><span data-contrast=\"auto\">\u00a0The longer you remain a customer with a particular insurance company, the more discounts you may receive.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">More than One Car:<\/span><\/b><span data-contrast=\"auto\">\u00a0Families that insure\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/frequently-asked-questions-changing-your-policy\/#question-3\"><span data-contrast=\"none\">more than one vehicle<\/span><\/a><span data-contrast=\"auto\">\u00a0with one insurance company will likely get a lower rate on their car insurance.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">No Accidents in Three Years:<\/span><\/b><span data-contrast=\"auto\">\u00a0Limiting the number of\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/is-georgia-a-no-fault-state\/\"><span data-contrast=\"none\">accidents<\/span><\/a><span data-contrast=\"auto\">\u00a0you have will keep your insurance rates low.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">No Moving Violations in Three Years:<\/span><\/b><span data-contrast=\"auto\">\u00a0Limiting your number of moving violations will keep your insurance rates low.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Student Drivers with Good Grades:<\/span><\/b><span data-contrast=\"auto\">\u00a0Teenage drivers in your home who maintain an excellent GPA can save your family money on your overall car insurance bill. Your car insurance company will likely request a copy of their report card or transcript to document their achievement and will apply the discount each semester after\u00a0they receive a copy of the grades.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2>Pay Careful Attention When Driving<\/h2>\n<p><span data-contrast=\"auto\">Each time you get in the car, be sure to pay careful attention.\u00a0<\/span><a href=\"https:\/\/dds.georgia.gov\/distracted-driver-data-reports\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Distracted driving<\/span><\/a><span data-contrast=\"auto\">\u00a0is the cause of many accidents each year and will only lead to increased car insurance rates. Be sure you\u2019re entirely focused on the task at hand\u00a0and not\u00a0smoking, eating, or texting. Make sure you\u2019ve had enough sleep and that you\u2019re in a fit emotional state to be behind the wheel. Avoid driving if you\u2019re arguing, sleep-deprived, or have another reason that you\u2019re struggling to pay attention. Also, make sure you are up to date on\u00a0<\/span><span data-contrast=\"none\">Georgia&#8217;s auto laws<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-479 size-full\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2.jpg\" alt=\"young caucasian male driving car concentrating\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2.jpg 1000w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-300x200.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-768x512.jpg 768w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-600x400.jpg 600w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-960x640.jpg 960w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-244x163.jpg 244w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2021\/12\/six-car-insurance-tips-every-southener-should-know-2-285x190.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2>Consider a Defensive Driving Course<span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If your Georgia insurance rates are higher than you\u2019d like, it may be time to consider a defensive driving course. In many situations, providing proof that you\u2019ve taken a defensive driving class may set you up for a healthy discount on your insurance rates. This is especially true if you, or a driver covered on your policy, have a less than perfect driving record.<\/span><\/p>\n<p><span data-contrast=\"auto\">As you look for cheap car insurance in Georgia, this is one easy way to make a dramatic difference. You\u2019ll wind up paying a lower rate, and you\u2019ll also have better driving skills. This can also be a great option to help teenagers lower their insurance rates, as well.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Improve Your Credit<\/h2>\n<p><span data-contrast=\"auto\">Another relatively simple way to lower your Georgia insurance rates is to work on improving your credit. This may take some time, but as you see your credit score go up, you\u2019ll likely see your insurance rates go down. In addition, you\u2019ll gain the other benefits that go along with improved credit, such as the ability to take out loans more easily.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Car insurance companies pay careful attention to your credit score, and they may offer you a discount as soon as your score makes a noticeable change. Pull free copies of your\u00a0<\/span><a href=\"https:\/\/www.consumer.ftc.gov\/articles\/free-credit-reports\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">credit report<\/span><\/a><span data-contrast=\"auto\">\u00a0on a regular basis to monitor the improvements you&#8217;re making throughout the year.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Reduce Coverage on Older Vehicles<span data-ccp-props=\"{&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Individuals who own older vehicles may be able to dramatically lower their insurance rates by reducing the amount of coverage they\u2019re carrying. In some cases, it may be less expensive to replace the vehicle than to repair it, and your insurance company knows this.<\/span><\/p>\n<p><span data-contrast=\"auto\">Reducing coverage on older cars and trucks can help you meet your goal of cheap car insurance in Georgia. Higher deductibles are another way to lower your insurance rates in a similar fashion. There\u2019s less risk for your insurance company, so your entire car insurance policy becomes less expensive.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2>Do Away with Snail Mail<\/h2>\n<p><span data-contrast=\"auto\">In some situations, you may be able to obtain a better rate on your insurance in Georgia by\u00a0signing up for online billing and paying.\u00a0It not only will help save trees, but it\u2019s faster and saves your insurance company money \u2013 savings they might be happy to pass on to you. Additionally, you may be able to find a discount by paying your entire premium upfront, instead of spacing it out monthly.<\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Get Covered with Southern Harvest!<\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p><span data-contrast=\"auto\">When you need the best possible price for Georgia insurance, reach out to the friendly professionals at Southern Harvest Insurance. We\u2019ll work with you each step of the way to help you obtain the best rate for insuring your vehicles. Visit us\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/\"><span data-contrast=\"none\">online<\/span><\/a><span data-contrast=\"auto\">, find a\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\"><span data-contrast=\"none\">local office,<\/span><\/a><span data-contrast=\"auto\">\u00a0or call\u00a0<\/span><a href=\"tel:877-831-4677\"><span data-contrast=\"none\">877-831-4677<\/span><\/a><span data-contrast=\"auto\">\u00a0today to learn how we can assist you.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"https:\/\/triton.southernharvestinsurance.com\/?media_code=SHANA-A-WW-WS-E-08805&amp;contact_phone=\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:877-831-4677\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--dark-blue\" href=\"https:\/\/www.southernharvestinsurance.com\/locations\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":480,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/478"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=478"}],"version-history":[{"count":10,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/478\/revisions"}],"predecessor-version":[{"id":2085,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/478\/revisions\/2085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/480"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}