Want to learn a better way to compare the cheapest car insurance rates in Warner Robins, GA? Warner Robins shoppers have lots of choices when shopping for the lowest priced car insurance. They can either spend hours calling around trying to get quotes or save time using the internet to compare rates. There is a better way to find car insurance online and we'll show you the proper way to quote coverages on a and locate the lowest price from Warner Robins insurance agents and online providers.

Get discounts to get affordable Warner Robins insurance rates

Car insurance companies don't list the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more well known as well as some of the hidden credits available to you.Discount insurance

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

A list of companies and some of the discounts are detailed below.

When getting a coverage quote, ask each insurance company the best way to save money. Savings may not apply to policyholders in your area. For a list of companies who offer discounts in Warner Robins, click here to view.

How to buy car insurance in Warner Robins, GA

Finding a lower price on insurance is not rocket science. Just take time to get quotes online with multiple companies.

The following companies offer price quotes in Georgia. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Warner Robins
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $1,156 $578 $96
Chevrolet Silverado LS Crew Cab 4WD $1,424 $712 $119
Dodge Ram Quad Cab ST 2WD $952 $476 $79
Ford Escape Limited 2WD $1,010 $505 $84
Ford F-150 Lariat Crew Cab 4WD $1,206 $603 $101
Ford Focus SES 4-Dr Sedan $1,266 $633 $106
Ford Fusion Sport AWD 4-Dr Sedan $1,612 $806 $134
Honda Accord LX 4-Dr Sedan $1,182 $591 $99
Honda CR-V LX 2WD $892 $446 $74
Honda Civic DX 4-Dr Sedan $1,060 $530 $88
Kia Optima LX $1,486 $743 $124
Nissan Altima Hybrid 4-Dr Sedan $1,696 $848 $141
Toyota Camry SE $1,670 $835 $139
Toyota Corolla LE $1,138 $569 $95
Toyota Prius $1,116 $558 $93
Toyota Tacoma Double Cab 4WD $1,240 $620 $103
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific Warner Robins garaging location which can increase or decrease insurance rates noticeably.

Warner Robins insurance costs by age and gender

The example below visualizes the comparison of insurance costs for male and female drivers in Warner Robins. The costs are based on no claims or violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium on a Ford Fusion SEL.

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

Should you buy full coverage?

The diagram below illustrates the comparison of Ford F-150 car insurance costs with and without full coverage. The costs are based on no claims, a clean driving record, $1,000 deductibles, married male driver, and no policy discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Deciding between full coverage and liability only

There is no exact rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Ford F-150 claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your deductible. If it's costing you more than $500 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Policy deductibles

The chart below shows how choosing a deductible and can change Honda Accord premium costs for different age groups of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Tailor your car insurance coverage to you

When it comes to buying insurance from an agent or online for your vehicles, there isn't really a cookie cutter policy. Your needs are unique to you so this has to be addressed.Higher deductibles save money For example, these questions can aid in determining whether your personal situation could use an agent's help.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

Best reasons to buy car insurance in Georgia

Despite the high cost, insurance is a good idea for several reasons.

The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying more than $825 a year so it's very important to do a rate comparison at every policy renewal to ensure rates are inline.

Car insurance policy coverages

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Collision coverages - Collision insurance pays for damage to your vehicle caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, driving through your garage door, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Collision Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Bently Continental GT
Nissan Xterra BMW M6
Ford Edge Audi RS7
Smart ForTwo Maserati Ghibli
Jeep Wrangler Maserati Granturismo
Mini Cooper Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.

Due to the fact that many Georgia drivers only purchase the least amount of liability that is required (25/50/25 in Georgia), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for expenses like chiropractic care, doctor visits, surgery, pain medications and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Medical Payment Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Hyundai Accent
Ford F-350 SuperCrew Chrysler 200
Ford F-250 SuperCrew Kia Forte
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Coverage for liability - This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn't cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like loss of income, medical expenses, funeral expenses, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible. Georgia requires drivers to carry at least 25/50/25 but you should consider buying higher limits.

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Subaru Forester Hyndai Accent
Acura MDX Chevrolet Impala
Audi A6 Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Mitsubishi Lancer
Volvo XC60 Kia Rio

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive protection - This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Car Insurance Comprehensive Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf Bentley Continental GT
Nissan Xterra BMW M6
Chevy Silverado 2500 Maserati Granturismo
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Lower rates by being persistent

When shopping online for auto insurance, don't be tempted to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Cost effective auto insurance can be found online and also from your neighborhood Warner Robins agents, so get free Warner Robins auto insurance quotes from both of them to have the best selection. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

More learning opportunities