Would you prefer to buy more affordable car insurance rates in Fayetteville, GA? Are you tired of not being able to scrape enough together to buy car insurance? You are no different than millions of other people.

Unthinkable but true, nearly 70% of customers renewed their policy with the same company for at least four years, and almost 40% of drivers have never quoted rates to find cheap coverage. The average driver in America could save almost $859 every year by just comparing rate quotes, but most tend to underestimate how much savings they would realize if they replace their high priced policy.

There is such a variety of auto insurance companies to pick from, and though it is a good thing to have multiple companies, more options can take longer to compare company pricing.

It is always a good idea to get comparison quotes occasionally due to the fact that insurance prices change regularly. Even if you think you had the lowest quotes on car insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because you're about to find out the fastest way to lower your rates without sacrificing coverage.

Companies offering affordable rate quotes in Fayetteville, GA

The providers in the list below can provide price comparisons in Georgia. If multiple companies are shown, it's a good idea that you visit several of them to get the cheapest price.

Insurance Price Estimates for Popular Vehicles in Fayetteville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,460 $730 $122
Chevrolet Malibu Hybrid $1,018 $509 $85
Chevrolet Silverado LS Regular Cab 2WD $1,036 $518 $86
Dodge Grand Caravan CV $1,110 $555 $93
Dodge Ram Crew Cab Laramie 2WD $1,354 $677 $113
Ford Edge Sport AWD $1,104 $552 $92
Ford Escape Limited 2WD $1,058 $529 $88
Ford F-150 Lariat Crew Cab Harley 4WD $1,544 $772 $129
Ford Focus SE 4-Dr Sedan $1,218 $609 $102
Ford Fusion Sport AWD 4-Dr Sedan $1,422 $711 $119
Honda Accord EX 4-Dr Sedan $1,004 $502 $84
Honda CR-V EX-L 2WD $906 $453 $76
Honda Civic EX 4-Dr Sedan $1,266 $633 $106
Honda Odyssey Touring $1,470 $735 $123
Nissan Altima 2.5 S 4-Dr Sedan $1,270 $635 $106
Toyota Camry XLE $1,104 $552 $92
Toyota Corolla XLE $1,488 $744 $124
Toyota RAV4 Sport 2WD $1,040 $520 $87
Toyota Tacoma X-Runner 2WD $1,158 $579 $97
Volkswagen Jetta SE 2.5 Station Wagon $1,432 $716 $119
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can raise or lower insurance rates noticeably.

Tickets and at-fault accidents raise rates

The information below shows how speeding tickets and accident claims raise Ford Escape car insurance rates for each different age group. The prices are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Higher deductibles lower rates

One common question asked by Fayetteville drivers is where should you set your physical damage deductibles. The comparisons below can help you understand how much more you'll pay when you buy lower versus higher physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $264 $420 $334 $20 $100 $1,163 $97
Elantra Blue 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Elantra GLS 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Elantra SE 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Elantra SE Touring Station Wagon $304 $512 $334 $20 $100 $1,295 $108
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Hyundai Elantra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $164 $264 $334 $20 $100 $882 $74
Elantra Blue 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Elantra GLS 4-Dr Sedan $188 $380 $394 $24 $118 $1,104 $92
Elantra SE 4-Dr Sedan $188 $380 $394 $24 $118 $1,104 $92
Elantra SE Touring Station Wagon $188 $322 $334 $20 $100 $964 $80
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise premium rates noticeably.

Based on the above data, using a $250 deductible will cost you roughly $28 more each month or $336 a year than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 27 months between claim filings, you would probably save some money going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): - $86
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important issue to know is that a higher deductible level means you will have to pay more out-of-pocket when you do file a claim. That will require some savings in order to pay more for the deductible.

How much more does full coverage cost?

The example below visualizes the comparison of Hyundai Elantra insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single male driver, and no policy discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no clear-cut formula to stop buying full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Hyundai Elantra book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.

Seven things that determine your rates

Part of the auto insurance buying process is learning the rating factors that aid in calculating auto insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you better auto insurance rates. Multiple criteria are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, but some are less obvious like your continuous coverage or how safe your car is.

Too many insurance claims drive up auto insurance rates - Companies in Georgia give discounts to policyholders who file claims infrequently. If you file a lot of claims you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.

Do you really need the extra policy coverages? - There are a ton of additional coverages that may not really be needed on your policy. Insurance for rental car coverage, towing coverage, and membership fees could be just wasting money. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.

Urban areas may pay more - Residing in small towns and rural areas is a good thing when trying to find low car insurance rates. Less people means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers regularly have more auto accidents and longer commute times. More time on the road means more chance of being in an accident.

Rates also based on gender - Statistics have proven that females take fewer risks when driving. This data doesn't prove that women are BETTER drivers than men. Men and women have accidents in similar numbers, but men cause more damage. Men also statistically receive more major tickets such as DWI and reckless driving. Youthful male drivers cause the most accidents so it costs more to insure them.

Auto insurance rates and your job - Careers such as fire fighters, police officers, and accountants usually pay higher average rates attributed to intense work requirements and incredibly demanding work hours. On the other hand, professions such as scientists, historians and performers have lower than average premiums.

Miles driven impacts prices - Driving a lot of miles each year the higher your rate. Many insurance companies charge rates determined by how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. It's always a good idea to double check that your vehicle rating is showing the correct usage for each vehicle, because improper ratings can cost you money.

Accidents inflate prices - Drivers who don't get tickets have lower premiums than their less careful counterparts. Having just one citation may cause rates to rise twenty percent or more. Drivers who have received careless violations such as DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.

Score discounts to get cheaper Fayetteville insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you purchase, but some discounts are required to be requested specifically prior to receiving the credit. If you don't get every credit possible, you could be paying more than you need to.Save money with discounts

As a sidenote, most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, it doesn't quite work that way.

Large insurance companies and some of the discounts are:

Before purchasing a policy, check with each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders everywhere. To choose companies who offer online insurance quotes in Georgia, follow this link.

When should I talk to a local insurance agent?

Certain consumers just prefer to get professional advice from a licensed agent and that is just fine! A nice benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent.

For easy comparison, once you complete this simple form, your insurance coverage information gets sent to agents in your area who will give you bids for your coverage. You never need to find an agent on your own because quoted prices will be sent directly to you. You can find lower rates and a licensed agent to talk to. If you have a need to compare rates from a specific car insurance provider, you would need to find their quoting web page and complete a quote there.

Selecting an provider shouldn't rely on just a cheap quote. Before buying a policy in Fayetteville, get answers to these questions.

After receiving positive feedback to all your questions and locked in a price quote, you've probably found an insurer that is a good match to service your policy. But remember, you can always terminate your policy when you choose so don't think that you are obligated to a policy for a certain time period.

The car insurance bait and switch

Big name companies like State Farm, Allstate and GEICO regularly use television and radio advertisements. All the ads make the point that people will save just by moving your car insurance policy to them. How do they all cost less than your current company? This is the way they can do it.

All companies give the cheapest rates for the type of driver that earns them the most money. For instance, a profitable customer might be between 25 and 40, has a low-risk occupation, and has a short commute. Anyone who matches those parameters will probably get cheap rates and is almost guaranteed to save a lot of money.

Potential insureds who are not a match for these stringent criteria may receive a higher rate and this can result in the customer not purchasing. Company advertisements say "people who switch" but not "all drivers who get quotes" save money. That's why companies can advertise the savings. Because of the profiling, you really should compare rate quotes every year. Because without a comparison, you cannot know the company that will give you the biggest savings.

Car insurance overall losses by make and model

Do you own a high-claim vehicle? The statistics below show the highest and lowest vehicle models for the probability of having to file claims for each type of coverage.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Ford F-350 Maserati Quattroporte
GMC Sierra 2500 Maserati Granturismo
Nissan Xterra Mercedes-Benz S Class
Chevy Spark Bentley Continental GT
Smart ForTwo Audi S7
Chevy Silverado 2500 Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-250 SuperCrew Chevrolet Sonic
Ford Expedition Nissan Versa
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 3500 Kia Forte
Chevrolet Corvette Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Audi A6 Chevrolet Sonic
Subaru Forester Mitsubishi Mirage
Subaru Outback Chevrolet Cruze
Volvo XC60 Kia Optima
Acura MDX Dodge Charger
Mercedes-Benz SL Class Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler BMW 6 Series
Ford F-150 SuperCrew BMW M6
Ford F-250 SuperCab Maserati Granturismo
Nissan Xterra Maserati Ghibli
Ford Edge Audi RS7
Mini Cooper Bentley Continental Flying Spur

Statistics from IIHS.org for 2013-2015 Model Years

Affordable car insurance rates are out there

Cheaper car insurance in Fayetteville is attainable both online in addition to many Fayetteville insurance agents, so get free Fayetteville auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not have online quoting and usually these smaller companies only sell coverage through local independent agencies.

We've covered a lot of techniques to reduce car insurance prices online in Fayetteville. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding affordable Fayetteville auto insurance quotes. Consumers could even find that the lowest prices are with some of the smallest insurance companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

Additional detailed information can be read in the articles below: