Are you regretting buying an overpriced insurance policy? Believe me, you're not the only one.

Sadly, a large majority of drivers kept buying from the same company for well over three years, and almost 40% of drivers have never quoted insurance rates at all. St. Marys consumers could save themselves approximately $1,000 a year just by getting comparison quotes, but they don't know the rate savings if they just switched companies.

With so many companies and agents to choose from, it's nearly impossible to pick a more affordable insurance provider.

Obtaining price quotes for the lowest cost coverage in St. Marys is easy to do. Essentially every vehicle owner who requires lower cost auto insurance will find lower prices. But Georgia drivers must know how big insurance companies charge you for coverage because rates are impacted by many factors.

The majority of larger companies such as State Farm, GEICO and Progressive allow you to get insurance quotes on their websites. Comparing auto insurance rates online is pretty painless because it's just a matter of typing in the coverages you want on the page. Once entered, the system makes automated requests for credit information and your driving record and generates pricing information based on many factors. Getting online rate quotes streamlines rate comparisons, and it's necessary to get many rate quotes if you want to get a lower rate.

In order to find out if lower rates are available, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you type in deductibles and limits just like they are on your policy. This helps ensure you will receive a price comparison for the exact same coverage.

The following companies offer comparison quotes in Georgia. If several companies are displayed, we suggest you visit as many as you can to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in St. Marys
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,300 $650 $108
Chevrolet Silverado LT Extended Cab 2WD $1,372 $686 $114
Dodge Grand Caravan SXT $1,206 $603 $101
Dodge Ram Quad Cab Laramie 4WD $1,314 $657 $110
Ford Escape XLT 4WD $900 $450 $75
Ford Explorer Limited AWD $1,102 $551 $92
Ford F-150 Lariat Crew Cab 2WD $1,084 $542 $90
Ford Focus SE 2-Dr Coupe $1,216 $608 $101
Honda Accord EX 2-Dr Coupe $1,384 $692 $115
Honda CR-V LX 4WD $1,000 $500 $83
Honda Civic SI 2-Dr Coupe $1,202 $601 $100
Hyundai Elantra SE 4-Dr Sedan $1,468 $734 $122
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,422 $711 $119
Mazda 3 S Sport 4-Dr Sedan $1,630 $815 $136
Nissan Altima 3.5 SR 4-Dr Sedan $1,300 $650 $108
Toyota Camry XLE $1,802 $901 $150
Toyota Corolla S $1,802 $901 $150
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location which can raise or lower premium rates considerably.

Age-based car insurance rates by gender

The chart below illustrates the comparison of premium costs for male and female drivers in St. Marys. The data assumes no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in on a Chevrolet Malibu LTZ.

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

Insurance agents can help

A lot of people just want to buy from a licensed agent and often times that is recommended An additional benefit of comparing rate quotes online is you may find lower rates and still have an agent to talk to. Buying from and supporting local insurance agencies is definitely important in St. Marys.

Upon completion of this quick form, your information is instantly submitted to insurance agents in St. Marys who will give you quotes for your auto insurance coverage. You never need to do any legwork because quoted prices will be sent immediately to you. It's the lowest rates and an insurance agent to talk to. In the event you want to quote rates from one company in particular, you would need to go to their quote page and fill out the quote form the provide.

When researching a reliable agent, it can be helpful to understand the different types of agencies and how they can write your policy. Auto insurance policy providers are either exclusive or independent agents depending on their company appointments.

Independent Auto Insurance Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. If they find a cheaper price, your policy is moved internally which makes it simple for you.

If you are trying to find cheaper rates, you will want to include price quotes from a couple of independent agencies to have the most options to choose from.

Exclusive Agencies

Agents that elect to be exclusive can only provide one company's prices such as AAA, State Farm, Farmers Insurance, and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. These agents receive extensive training on what they offer which helps offset the inability to provide other markets.

Choosing the best car insurance agent should depend on more than just a cheap price. These are some questions your agent should answer.

After getting positive feedback to any questions you have as well as affordable St. Marys car insurance quotes, you may have just found an insurance agent that is reputable and can properly service your auto insurance policy. Just keep in mind consumers can cancel your policy at any point so don't assume that you are obligated to any specific agency for a certain time period.

Auto insurance claim information

Which vehicle models have a high chance of claims? The following claim statistics list the highest and lowest cars and trucks for the probability of having claims.

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-350 SuperCrew Hyundai Accent
Land Rover Range Rover Sport Mitsubishi Lancer
Ford F-250 SuperCrew Dodge Charger
Chevrolet Corvette Chevrolet Sonic
Ford Expedition Chrysler 200
Tesla Model S Nissan Versa

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

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Subaru Outback Chevrolet Cruze
Fiat 500 Chrysler 200
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Hyndai Accent
Audi A6 Kia Optima

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

Vehicles with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
GMC Canyon Audi RS7
Smart ForTwo Maserati Granturismo
Nissan Xterra Bently Continental GT
Jeep Wrangler Maserati Ghibli
Chevrolet Colorado BMW M6
Ford Edge Nissan GT-R

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

Lowest and Highest Comprehensive Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Xterra Maserati Quattroporte
Ford F-350 Audi S7
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf Bentley Continental GT
GMC Sierra 2500 Bentley Continental GTC
Infiniti QX50 Maserati Granturismo

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