Lula Auto Insurance Rates, Quotes, Agents & Reviews in GA

Lula, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lula, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Affordable Car Insurance Rates in Lula, GA

The average cost of car insurance in Lula, GA, is $1,615. Auto insurance is one of the most important things drivers in Lula, GA, need. It helps to protect them financially in the event of an accident, and it also helps to keep them safe on the road. Drivers can choose from a few different types of auto insurance, and each has its advantages and disadvantages. The most important thing is ensuring that drivers in Lula, GA, are covered by a policy that meets their needs and budget. All Lula drivers must consider their alternatives carefully before choosing an insurance policy. You will learn crucial lessons from this article to help you find affordable auto insurance in Lula, Georgia.

Choose a High Deductible

Auto insurance rates in Lula, GA, can be quite high, but there are ways to save money on your premiums. One way to do this is to choose a high deductible. This means that you will be responsible for paying a larger portion of any damages in an accident, which can also lead to lower rates. A high-deductible policy may be the right choice if you are looking for ways to save money on your auto insurance. Just make sure that you are prepared to pay the deductible in the event of an accident. For example, in Lula, Georgia, car owners who selected a high deductible of $1,000 pay a premium of $2952, whereas those who selected a low deductible of $500 pay a premium of $1,615.

Maintain a High Credit Score

Auto insurance rates are one of the many things based on your credit score. A high credit score means you're a low-risk customer and less likely to file a claim. That means you're less of a financial burden on the insurance company, and they will reward you with lower rates. Maintaining a high credit score is important for many reasons, and auto insurance rates are just one of them. If you're looking to save money on auto insurance, keep your credit score high. For example, in Lula, Georgia, car owners with exceptional credit scores have to pay $1,386, while those with bad credit must pay $2,634. 

Avoid Driving Under the Influence (DUI)

If caught driving under the influence (DUI) in Lula, GA, you will face serious penalties. These can include a fine, jail time, and the loss of your driver's license. But, one of the most significant penalties you will face is an increase in your auto insurance rates. DUI is a severe offence, and insurance companies treat it as such. If you are convicted of DUI, you can expect your rates to increase by hundreds, if not thousands, of dollars. And, if you are caught DUI more than once, your rates will continue to increase each time you are convicted. For example, on average, Lula, Georgia, charges $1,615 for auto insurance. Owners of vehicles who have a history of DUI are subject to a $2,952 post-DUI premium. As a result, insurance premiums rise after a DUI.

Factors that can influence the cost of car insurance in Lula, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Lula, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lula, GA with that of other cities in and around Lula.

Lula Hall County Gainesville Baldwin Raoul Alto
Average Insurance Rates $1,615 $1,661 $1,550 $1,625 $1,550 $1,585

Lula, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lula, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lula $1,346 $1,137
Gillsville $1,495 $1,262
Clermont $2,971 $2,509
Raoul $1,558 $1,316
Hall County $1,089 $920
Alto $1,450 $1,225
Gainesville $941 $795
Baldwin $2,829 $2,390

Lula, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lula, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,240
20 Years $2,075
30 Years $1,598
40 Years $1,538
50 Years $1,424
60 Years $1,444
70 Years $1,681

Lula, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lula, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,810 $420
3 Vehicles $4,215 $630
4 Vehicles $5,620 $840

Savings on 2 Vehicles bundle:$420

Savings on 3 Vehicles bundle:$630

Savings on 4 Vehicles bundle:$840

Lula, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lula, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Lula $1,615 $2,952
Gillsville $1,673 $3,058
Clermont $1,696 $3,100
Raoul $1,550 $2,834
Hall County $1,661 $3,036
Alto $1,585 $2,898
Gainesville $1,550 $2,834
Baldwin $1,625 $2,971

Lula, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,386
Excellent (740-799) $1,582
Good (670-739) $1,683
Average (580-669) $2,196
Poor (300-579) $2,634

Lula, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
The Norton Agency Travelers 434 GREEN ST, GAINESVILLE, 30501 770-297-4825
Cma Agency Inc Travelers 305 GREEN STREET SE, GAINESVILLE, 30501 770-534-9911
Hargett & Tabb Insurance Agency Travelers 208 WEST ACADEMY ST, GAINESVILLE, 30501 770-532-7511
Trey Gil State Farm 500 Sun Valley Dr Ste B3, Roswell, 30076-5634 770-393-0350
Jim Kennedy State Farm 1123 Green Street Cir, Gainesville, 30501-2208 770-536-0191
Craig Crump State Farm Bldg 1100 3225 Shallowford Rd Ste 1100, Marietta, 30062-7030 770-509-5000
Roger Williams State Farm 2594 Loganville Hwy Ste 107, Grayson, 30017-7848 770-962-4100
American Lumber Underwriters Inc Liberty Mutual Independent 2160 SATELLITE BLVD STE 250, DULUTH, 30097 (800) 850-9744
Novant Health (At) Travelers 4450 RIVER GREEN PARKWAY SUITE 100-A, DULUTH, 30096 800-842-5075

Lula, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$71 $1,686
Driver's Failure In Showing Documents +$157 $1,772
Driving With An Expired Registration +$166 $1,781
Driving At A Considerably Slow Pace +$350 $1,965
Using A Cellphone While Driving +$370 $1,985
Running A Red Light +$376 $1,991
Speeding +$396 $2,011
Driving A Vehicle Without The Required Permission +$502 $2,117
Driving With An Expired/Suspended License +$1,089 $2,704

Lula, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,550
Active Disabling Device $1,550
Tracking Device $1,518
Passive Disabling Device $1,502