When looking for a place to eat in Albany, you have a variety of options from pigs' feet at Mrs. Bea's Soul Food to the pizza at Villa Gragano to the barbeque at Blackbeard's. For a city this size, Albany, Georgia has something to satisfy the tastes of everyone. And why shouldn't your insurance needs be the same? You need a variety of options because there are so many considerations when shopping for Albany insurance quotes. Let's look at a few.
Albany's Crime Rates
In 2007, Albany had 368 car thefts and over 1,500 burglaries. To put this perspective, the rate of burglaries is over twice the national rate and car thefts are 15% higher than the nation's. These numbers combined with other crime figures puts Albany at a total crime rate of nearly two times higher than the rest of the U.S. This isn't to scare you just to give you some information that will help when shopping for Albany insurance quotes.
Driving in Albany: Big Differences
Whether you plan on buying a new car or just want to insure the one you have, you should think about a few things before you start your search. For example, Georgia requires the following minimum protection: Bodily Injury Liability: $25,000 per person and $50,000 per occurrence; Property Damage Liability of $25,000 per occurrence. This coverage protects you if you're "at-fault". But what about when someone else is responsible whether it's someone without insurance or someone who just decides he wants your car. Let's look at some hard numbers.
You drive a 2006 Ford Five Hundred, you're a 40-year-old male with a clean driving record who drives 12,000 mile annually. You buy the above minimum coverage but you'd fee l more comfortable with protection for theft, vandalism and uninsured motorists so you get Comprehensive/Collision with a $500 deductible and Uninsured Motorist with the same as the above Bodily Injury coverage. Your rates can be anywhere from $645 to $3,100!
How about a 30-year-old woman driving the same car with the same coverage as the above. She has one speeding ticket in the last year and one "at-fault" accident in three years. She drives 12,000 miles a year. Her premiums are anywhere from $915 to $4,290! Let's look at some Albany insurance quotes for homeowner's insurance.
A Roof over Your Head
Say you're a-frame home is worth $100,000 and you opt for the standard HO-3 policy which covers most perils and theft. You could pay from $274 to $1,339 a year. Why the big difference here? Insurers charge based on a number of different factors from their own economic situation in the state to the likelihood of paying a claim in Albany when statistics are factored in.Now let's say you're renting a home and want to insure your contents for weather-related perils and theft. For $30,000 in coverage with a $250 deductible, your rates could be anywhere from $155 to $652. Again, a big difference here.
It Pays to Shop for Albany Insurance Quotes
It's not hard to see that there's a big difference in quotes out there. And living in Albany comes with some extra considerations when it comes to insurance. That's why it pays to comparison shop with a company like NetQuote. NetQuote is free and takes the guesswork out of comparing apples to okra by searching for the lowest priced coverage from hundreds of insurers competing for your business. Now let's get shopping!