Has it been a year or more since you last compared quotes for more competitive auto insurance rates in Snellville, GA? Snellville buyers have lots of choices when searching for low-cost car insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to compare rates.

There is a better way to buy auto insurance so we're going to tell you the proper way to quote coverages on a and locate the cheapest rates from Snellville insurance agents and online providers.

If you're already insured or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Our objective is to familiarize you with how car insurance quotes work and some money-saving tips. Consumers just need to use the quickest method to compare company rates from many different companies.

Reducing your insurance rates can be surprisingly simple. The only thing you need to do is take a few minutes to compare rates from online providers.

The companies shown below are ready to provide comparison quotes in Snellville, GA. If multiple companies are shown, we suggest you click on several of them in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Snellville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,296 $648 $108
Chevrolet Silverado Crew Cab Hybrid 4WD $1,258 $629 $105
Dodge Grand Caravan Hero $1,352 $676 $113
Dodge Ram Crew Cab TRX 2WD $1,448 $724 $121
Ford Escape Limited 2WD $1,076 $538 $90
Ford Explorer Eddie Bauer 2WD $1,466 $733 $122
Ford F-150 Lariat Crew Cab Harley 2WD $1,676 $838 $140
Ford Focus SES 4-Dr Sedan $1,050 $525 $88
Honda Accord EX-L 2-Dr Coupe $1,412 $706 $118
Honda CR-V LX 2WD $1,182 $591 $99
Honda Civic EX 4-Dr Sedan $1,050 $525 $88
Hyundai Elantra SE Touring Station Wagon $1,460 $730 $122
Jeep Wrangler Sport 4WD 2-Dr $1,156 $578 $96
Nissan Altima 3.5 SR 2-Dr Coupe $1,292 $646 $108
Toyota Camry XLE $1,138 $569 $95
Toyota Corolla XRS $1,424 $712 $119
Toyota Tacoma Double Cab 4WD $1,430 $715 $119
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in garaging location in Snellville which can affect prices considerably.

Safe drivers pay less for car insurance

The diagram below shows how speeding tickets and accidents can drive up Honda Pilot insurance prices for each different age category. The premium estimates are based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

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

Why you need quality insurance for your vehicle

Despite the high cost, maintaining insurance may be required for several reasons.

The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. As of last year, the average driver in Georgia is wasting up to $820 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Auto insurance companies are expert advertisers

Consumers in Georgia can't avoid all the ads that promise big savings for switching from the likes of State Farm and Allstate. All the ads convey the message that you can save if you switch to their company.

How does each company sell you cheaper insurance coverage?

All the different companies give the best rates for the type of driver that earns them the highest profit. One example of a profitable customer might be described as between 25 and 40, has no claims, and chooses high deductibles. Anybody who matches those parameters will get low premium rates as well as save when they switch companies.

Consumers who are not a match for the "perfect" profile will get higher prices which results in the customer not purchasing. The ads say "people that switch" but not "all drivers who get quotes" will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great rates.

Because of this risk profiling, you need to compare rate quotes every year. It is impossible to predict with any certainty which company will have the lowest auto insurance in Snellville.

Insurance discounts help lower rates

Companies offering auto insurance don't always advertise every policy discount very clearly, so we researched some of the more common and the more hidden credits that you can use to lower your rates.Discount insurance

While discounts sound great, it's important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

Car insurance companies that may offer quotes with these benefits possibly include:

If you want the cheapest Snellville auto insurance quotes, ask every insurance company which discounts they offer. Depending on the company, some discounts might not be offered in every state. To find companies who offer discounts in Snellville, click here to view.

Car insurance claim information

What are the chances of a claim? The statistics below outline the good and bad models for the probability of having to file claims.

Vehicle Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Maserati Ghibli
Nissan Xterra Bently Continental GTC
GMC Canyon BMW 6 Series
Jeep Wrangler Nissan GT-R
Smart ForTwo Bently Continental GT
Ford Edge Bentley Continental Flying Spur

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Hyndai Accent
Acura MDX Kia Rio
Subaru Outback Mitsubishi Mirage
Fiat 500 Chevrolet Sonic
Mercedes-Benz SL Class Kia Optima
Volvo XC60 Chevrolet Impala

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Bentley Continental GT
Smart ForTwo BMW M6
Nissan Xterra Mercedes-Benz S Class
GMC Sierra 2500 Maserati Granturismo
Chevy Silverado 2500 Audi S7
Nissan Leaf Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 SuperCrew Dodge Charger
Chevrolet Corvette Chrysler 200
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 2500 Chevrolet Sonic
Chevrolet Silverado 3500 Chevrolet Spark
Audi A4 Allroad Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Keep this in mind when shopping around

Consumers switch companies for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent and questionable increases in premium. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

When you buy Snellville auto insurance online, never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced collision coverage only to regret that they should have had better coverage. The ultimate goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Some insurance companies don't offer the ability to get quotes online and many times these regional carriers sell through independent agents. Low-cost insurance in Snellville is available online and also from your neighborhood Snellville agents, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about insurance in Georgia is available below: