Do you want lower-priced auto insurance rates in Rome, GA? Purchasing budget-priced quotes over the internet might seem difficult for people not familiar with comparing prices online. With so many insurance companies available, how can people be able to compare every one to find better rates?

It's amazing but about 70% of customers have been with the same company for more than four years, and nearly 40% of drivers have never compared rates to find lower-cost insurance. Many drivers in the United States could pocket as much as 46.5% a year just by shopping around, but they don't believe the large savings they would see if they switch to a new company.

Lower-cost Rome auto insurance rates with discounts

Buying auto insurance is not cheap, but you might find some hidden discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few must be manually applied before you will receive the discount.Discount auto insurance

As is typical with insurance, most discount credits are not given to the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

Some of the larger companies that may include some of the discounts shown above include:

Check with all companies you are considering which discounts can lower your rates. Savings might not be available to policyholders in Rome.

Most of the larger companies like State Farm, Allstate and GEICO allow consumers to get coverage prices direct online. Getting online rates is quite simple as you just type in your coverage information into the quote form. When complete, the quote system pulls your driving record and credit report and gives you a price quote based on these factors.

This makes it simple to compare prices and it is important to have as many quotes as possible in order to get a better rate.

To compare rates now, check out the insurance providers below. To compare your current rates, we recommend you copy the insurance coverages exactly as shown on your declarations page. This makes sure you are getting rate comparison quotes using the same coverage and limits.

The companies shown below have been selected to offer price quotes in Georgia. If several companies are displayed, we suggest you visit as many as you can in order to find the most affordable rates.

Insurance Rates for Popular Vehicles in Rome
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,196 $598 $100
Dodge Ram Crew Cab Sport 4WD $1,188 $594 $99
Ford Edge Sport AWD $1,138 $569 $95
Ford Escape XLS 4WD $1,010 $505 $84
Ford F-150 XLT Super Cab 2WD $1,260 $630 $105
Ford Focus S 4-Dr Sedan $1,368 $684 $114
Honda Accord EX 2-Dr Coupe $1,322 $661 $110
Honda CR-V LX 4WD $914 $457 $76
Honda Civic EX-L 4-Dr Sedan $1,336 $668 $111
Hyundai Elantra GLS Touring Station Wagon $1,294 $647 $108
Jeep Wrangler Rubicon 4WD 2-Dr $1,236 $618 $103
Nissan Altima 2.5 S 4-Dr Sedan $1,138 $569 $95
Toyota Camry SE $1,384 $692 $115
Toyota Corolla XRS $1,450 $725 $121
Volkswagen Jetta SE 4-Dr Sedan $1,346 $673 $112
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in garaging location in Rome which can influence coverage prices substantially.

Higher deductibles lower rates

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The following insurance rates may help to illustrate how much more rates are between high and low physical damage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $338 $612 $394 $24 $118 $1,511 $126
Camry SE $338 $720 $394 $24 $118 $1,619 $135
Camry XLE $338 $720 $394 $24 $118 $1,619 $135
Camry Hybrid $382 $720 $444 $26 $134 $1,731 $144
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Toyota Camry insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $188 $322 $394 $24 $118 $1,046 $87
Camry SE $188 $380 $394 $24 $118 $1,104 $92
Camry XLE $188 $380 $394 $24 $118 $1,104 $92
Camry Hybrid $212 $380 $444 $26 $134 $1,196 $100
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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, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific Rome garaging location which can change premiums greatly.

Based on the data above, we can derive that using a $100 deductible costs an average of $42 more each month or $504 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 21 months between claims, you would come out ahead going with the higher deductible. Below is how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Impact of speeding/accidents on auto insurance rates

The illustration below shows how traffic citations and at-fault accidents increase Nissan Sentra insurance costs for each different age category. The data is based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Rome insurance premiums by gender and age

The illustration below shows the difference between insurance costs for male and female drivers in Rome. The information is based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium on a Nissan Altima 3.5 SR.

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

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no "perfect" insurance plan. Every insured's situation is different so your insurance needs to address that.Insurance savings Here are some questions about coverages that may help you determine if your insurance needs might need an agent's assistance.

If it's difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance is not optional

Even though rates can get expensive, insurance is not optional due to several reasons.

The benefits of buying enough insurance more than cancel out the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so compare rates at every renewal to ensure rates are competitive.

Auto insurance 101

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Liability - This coverage will cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and doesn't cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like bail bonds, structural damage and loss of income. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. Georgia requires drivers to carry at least 25/50/25 but you should think about purchasing more coverage.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, rock chips in glass, a broken windshield and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages - Collision coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, dental work, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your vehicle.

Because many people only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Smart shoppers get results

When you buy Rome car insurance online, make sure you don't buy less coverage just to save a little money. In many instances, an insured cut collision coverage to discover at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

We've covered a lot of techniques to compare insurance premium rates in Rome. It's most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the most savings is with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

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