How many years has it been since you compared cheaper car insurance rates in Riverdale, GA? Having to pay for overpriced car insurance in Riverdale can bottom out your checking account and possibly require you to analyze your spending habits. Doing a price comparison is an excellent way to lower your bills every month.

Unthinkable but true, the vast majority of consumers in Georgia kept their coverage with the same car insurance company for over three years, and virtually 40% of consumers have never compared quotes from other companies. Many consumers in America could save themselves as much as 46.5% a year by just shopping around, but they think it's difficult to find cheaper car insurance rates.

Companies like Progressive, State Farm and GEICO promote their brand names with fancy advertisements and consumers find it hard to ignore the propaganda and find the best price available.

It's a good habit to check car insurance prices every six months since insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes on car insurance a few years ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.

If you have a current insurance policy, you will be able to lower your rates using these techniques. Locating the most cost-effective insurance policy in Riverdale is easy if you know what you're doing. Although Georgia car owners must understand the way insurance companies determine premium rates because rates are impacted by many factors.

Best companies for Georgia auto insurance

The following companies are ready to provide quotes in Riverdale, GA. If the list has multiple companies, it's a good idea that you get price quotes from several of them to find the cheapest auto insurance rates.

Insurance Rates for Popular Vehicles in Riverdale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,292 $646 $108
Chevrolet Equinox LTZ AWD $1,178 $589 $98
Chevrolet Silverado LS Extended Cab 2WD $1,176 $588 $98
Dodge Ram Crew Cab SLT 4WD $1,452 $726 $121
Ford Edge Sport AWD $1,458 $729 $122
Ford Escape XLS 2WD $996 $498 $83
Ford Explorer XLT 2WD $994 $497 $83
Ford F-150 STX Regular Cab 2WD $1,390 $695 $116
Ford Focus SE 4-Dr Sedan $1,360 $680 $113
Honda Accord LX 4-Dr Sedan $980 $490 $82
Honda CR-V LX 4WD $996 $498 $83
Honda Civic EX-L 4-Dr Sedan $1,152 $576 $96
Hyundai Elantra GLS Touring Station Wagon $1,032 $516 $86
Nissan Altima 2.5 4-Dr Sedan $1,058 $529 $88
Toyota Camry Hybrid $1,368 $684 $114
Toyota Corolla LE $1,396 $698 $116
Toyota RAV4 Limited 4WD $1,364 $682 $114
Volkswagen Jetta SE 4-Dr Sedan $982 $491 $82
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can revise prices noticeably.

Raise deductibles and save

The illustration below shows how choosing a deductible and can influence Hyundai Sonata premium costs for each different age group. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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

Careless drivers pay higher rates

The diagram below shows how violations and at-fault collisions increase Honda Accord insurance premiums for different age groups. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

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

Choosing deductibles

One of the most common auto insurance questions is what deductibles to buy. The premium rates below approximate how much more rates are between low and high physical damage coverage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $294 $502 $394 $24 $118 $1,357 $113
Acadia SL AWD $338 $502 $394 $24 $118 $1,401 $117
Acadia SLE 2WD $338 $502 $394 $24 $118 $1,401 $117
Acadia SLE AWD $338 $612 $394 $24 $118 $1,511 $126
Acadia SLT 2WD $338 $612 $394 $24 $118 $1,511 $126
Acadia SLT AWD $382 $612 $394 $24 $118 $1,555 $130
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GMC Acadia insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $164 $264 $394 $24 $118 $964 $80
Acadia SL AWD $188 $264 $394 $24 $118 $988 $82
Acadia SLE 2WD $188 $264 $394 $24 $118 $988 $82
Acadia SLE AWD $188 $322 $394 $24 $118 $1,046 $87
Acadia SLT 2WD $188 $322 $394 $24 $118 $1,046 $87
Acadia SLT AWD $212 $322 $394 $24 $118 $1,070 $89
Get a Quote for Your Vehicle Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can revise coverage prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $37 more each month or $444 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claim filings, you would probably come out ahead if you elect the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important issue to know is that increasing deductibles to lower your rates results in a higher out-of-pocket expense at claim time. You must have some money saved in the event you need to pay more for the deductible.

Cheap Riverdale insurance rates with discounts

Buying insurance is not cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested prior to getting the savings.Cheaper insurance with discounts

Don't be surprised that some credits don't apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it just doesn't work that way.

The best insurance companies and the discounts they provide can be read below.

Check with all companies you are considering how you can save money. Some credits may not be available in every state. If you would like to see a list of insurers with discount insurance rates in Riverdale, click here to view.

Tailor your auto insurance coverage to you

When selecting your policy, there really is not a one-size-fits-all type of policy. Every situation is different and your auto insurance should unique, too.Drive safe and save Here are some questions about coverages that could help you determine if your situation would benefit from an agent's advice.

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Do you really save 40% when you switch?

Car insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to seem to make the promise that you'll save big if you change your policy. How is it possible that every company can claim to save you money? This is the trick they use.

Insurance companies have specific characteristics for the type of customer that will most likely be profitable. For example, this type of insured might have to be a female over age 40, has few claims, and has excellent credit. A driver that fits those parameters will qualify for the lowest rates in Riverdale and therefore will cut their car insurance rates if they switch.

Potential insureds who may not quite match these standards will have to pay higher rates and this results in business going elsewhere. If you pay attention, the ads say "customers who switch" not "all people who quote" save that much when switching. This is how companies can truthfully make claims like that.

This really emphasizes why it's extremely important to get Riverdale car insurance quotes as often as possible. Because you cannot predict which company will have the best car insurance in Riverdale.

Insurance claim statistics

Which makes and models have the fewest claims? The statistics tables below show the best and worst models for the overall chance of having to file claims for each type of coverage.

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Mirage
Chevrolet Silverado 3500 Dodge Charger
Audi A4 Allroad Kia Forte
Ford Expedition Nissan Versa
Land Rover Range Rover Sport Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Forester Hyndai Accent
Volvo XC60 Chevrolet Sonic
Subaru Outback Mitsubishi Lancer
Acura MDX Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Chevrolet Corvette Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Bentley Continental GT
Infiniti QX50 BMW M6
Chevy Spark Maserati Granturismo
Nissan Xterra Bentley Continental GTC
Ford F-350 BMW M6
Smart ForTwo Maserati Quattroporte

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
GMC Canyon Bentley Continental Flying Spur
Chevrolet Colorado BMW M6
Jeep Wrangler Maserati Ghibli
Mini Cooper Ferrari 458
Ford F-250 SuperCab Nissan GT-R
Nissan Xterra Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You can lower your auto insurance rates

Affordable auto insurance in Riverdale is possible both online and also from your neighborhood Riverdale agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and these small, regional companies work with independent insurance agents.

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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