Comparing insurance rates like comparing apples to oranges - WALB.com, Albany News, Weather, Sports

Comparing insurance rates like comparing apples to oranges

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By Karen Cohilas - bio | email

ALBANY, GA (WALB) – A new study shows Georgians pay more for car insurance than people in most other states, but one insurance agent says it's not that bad in our part of the state.

Insure.com says Georgia has the 8th highest auto insurance rates, paying an average of more than $1700 a year for premiums.

Agent Lydia Livingston, with Doherty, Duggan & Rouse, says higher prices in metro Atlanta skew the numbers. She also says more people in Georgia drive than in other states and not all states require drivers to have coverage, so their rates may be lower.

Livingston said, "I noticed that some of the states that they said were less expensive, most of those states don't have huge metro areas. Then look at the Northeast where you have large cities, Boston, New York City, Washington DC. They do have heavy populations, but they also have a very pronounced mass transit systems."

You can lower your bill by improving driving habits, driving less, buying smarter vehicles, and taking a defensive driver course. You may also get discounts for combining several insurance policies with one company and keeping a good credit score.

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