Your Georgia auto insurance rates might taste sweet as a peach or sting like a honeybee, depending on your profile. According to the Insurance Information Institute, Georgians paid just below the U.S. average ($795) for auto insurance in 2007 at $782.However, depending on things like where you live, how often you drive, and the cleanliness of your driving record, you could be paying well above or below that average. Georgia is the ninth most populous U.S. state. With that being said, there are a lot of people driving in The Peach State. Here are things that affect your Georgia auto insurance rates.

Obstructing Your Policy
Where you drive and how often you drive will affect your Georgia auto insurance rates. According to the U.S. Census Bureau, 78.2 percent of Georgians traveled to work alone between 2006 and 2008 and the mean travel time was 27.1 minutes. But if you're driving from Henry County to the Atlanta metropolitan area, the 11th most congested region in the United States in 2009, according to the INRIX National Traffic Scorecard, you could be spending more than an hour driving to work during rush hour traffic. Insurance companies take this type information into consideration to calculate your premium as car accidents, vandalism and thefts are more common in congested cities. However, you can cut your cost by carpooling or installing anti-theft devices in your vehicle.

Watch Your Hog
In 2008, Georgia had the ninth highest motorcycle thefts in the United States with 2,159 reported instances, according to the Insurance Information Institute. The National Insurance Crime Bureau (NICB) notes that between 2006 and 2008 the average stolen motorcycle recovery rate was 36.2 percent which is much lower than the typical 65 to 70 percent rate for automobiles. The reason for this is mostly because criminals can easily alter, reuse and camouflage motorcycle parts and frames. By installing a tracking device you can thwart thieves from stealing your motorcycle or lead police to chop shops, and your Georgia auto insurance rates will be discounted.

You're Accountable
Your Georgia auto insurance carrier is required by law to provide revised uninsured motorist coverage unless you reject it in writing. The 2008 Session of the Georgia General Assembly passed this law to provide additional protection at a higher premium. Traditional uninsured motorist coverage is still available and is cheaper than the new uninsured motorist coverage, but the new coverage will provide up to a full limit of protection over and above the at-fault drivers liability coverage. However, the two coverages do not differ if the at-fault driver does not have liability coverage. Do a little comparison shopping with LocalInsurance to find out exactly how much more you could be paying if you opt to purchase this new uninsured motorist coverage.

Savor the Savings
Whether you live in a bustling city like Atlanta or Savannah or somewhere that's a little more relaxed like Manchester or Greenville, you are subject to a myriad of discounts. Check with your insurance agent to see if there are discounts available that will allot you a better rate, or use a free service like LocalInsurance to gather several quotes so you can compare your current premium to other Georgia auto insurance rates.

By comparing rates at LocalInsurance, you can save money and feel at ease knowing that your vehicle has the proper protection it deserves.

To find more information on the auto insurance requirements in Georgia, visit these useful links: