It's true, Georgian's are paying the highest rates for car insurance. The rates continue to go up every 6 months. One insurance company submits a rate change to the Insurance Commissioner and the other insurance companies have to follow suit with rate increases, usually less than the initial company. The reason, is to remain competitive. Since the individual agencies have no pull in determining the rates their only choice is to adjust or lower coverage for a customer so as to lower the rate for their 6 month period. What do you do when you've lowered the rate to the state minimum for Liability? There's no room to reduce premium the next renewal. The result of this is that the customer either pays the higher rate increases each renewal or they shop and find a better rate somewhere else, only to find that rate going up in another 6 months. It's a continuous game of either sucking it up and staying where you are at or jumping around from co...
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