Do you need a fast way to compare more affordable car insurance rates in Roswell, GA? High-priced car insurance in Roswell can deplete your checking account and force you to cut corners elsewhere.

Unbelievable but true, the vast majority of consumers have stayed with the same insurance company for more than four years, and nearly half have never even shopped around for cheap coverage. Georgia drivers can save hundreds of dollars each year just by comparing rates, but they don't know the actual amount they would save if they bought a different policy.

Since consumers have many choices of insurance companies, it can be challenging to find the best insurance company.

Smart consumers take time to compare rates before your next renewal because car insurance rates are usually higher with each renewal. Just because you found the best premium rates on car insurance two years ago you may be paying too much now. Ignore everything you know about car insurance because we're going to show you how to use the internet to save on car insurance.

Quoting the best-priced policy in Roswell is not that difficult. In a nutshell, everyone who comparison shops for insurance most likely will find better rates. But Georgia vehicle owners do need to learn how the larger insurance companies determine prices because it varies considerably.

Car insurance companies offering cheap rate quotes in Georgia

The companies shown below offer comparison quotes in Georgia. If multiple companies are shown, it's a good idea that you visit as many as you can to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Roswell
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,158 $579 $97
Chevrolet Malibu Hybrid $1,352 $676 $113
Chevrolet Silverado LTZ Extended Cab 4WD $1,480 $740 $123
Dodge Grand Caravan CV $1,166 $583 $97
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,220 $610 $102
Ford Edge Limited AWD $1,072 $536 $89
Ford Escape Limited 4WD $1,110 $555 $93
Ford F-150 Lariat Crew Cab Harley 4WD $1,714 $857 $143
Ford Focus SE 2-Dr Coupe $1,144 $572 $95
GMC Sierra SLT Extended Cab 4WD $1,424 $712 $119
Honda Accord EX 2-Dr Coupe $1,168 $584 $97
Honda CR-V EX 4WD $1,036 $518 $86
Honda Civic SI 2-Dr Coupe $1,784 $892 $149
Hyundai Elantra SE 4-Dr Sedan $1,448 $724 $121
Jeep Wrangler Sport Islander Package 4WD 2-Dr $944 $472 $79
Nissan Altima 3.5 SR 2-Dr Coupe $1,424 $712 $119
Nissan Rogue S 2WD $1,298 $649 $108
Toyota Camry LE $1,352 $676 $113
Toyota Corolla XLE $1,096 $548 $91
Toyota Tacoma 2WD $1,292 $646 $108
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in zip code location which can increase or decrease prices considerably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The rates below may help to illustrate how much more you'll pay when you choose different comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

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

Chevrolet Tahoe insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $304 $512 $394 $24 $118 $1,377 $115
Tahoe LS 4WD $344 $512 $394 $24 $118 $1,417 $118
Tahoe LT 2WD $344 $512 $394 $24 $118 $1,417 $118
Tahoe LT 4WD $344 $512 $394 $24 $118 $1,417 $118
Tahoe LTZ 2WD $344 $604 $394 $24 $118 $1,509 $126
Tahoe LTZ 4WD $344 $604 $394 $24 $118 $1,509 $126
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Chevrolet Tahoe insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $188 $322 $394 $24 $118 $1,046 $87
Tahoe LS 4WD $212 $322 $394 $24 $118 $1,070 $89
Tahoe LT 2WD $212 $322 $394 $24 $118 $1,070 $89
Tahoe LT 4WD $212 $322 $394 $24 $118 $1,070 $89
Tahoe LTZ 2WD $212 $380 $394 $24 $118 $1,128 $94
Tahoe LTZ 4WD $212 $380 $394 $24 $118 $1,128 $94
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in your specific Roswell location which can impact premium rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $30 more each month or $360 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 25 months between claims, you would save more money if you decide on a higher deductible. Below is the way this determination is made.

Average monthly premium for $250 deductibles: $120
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important issue to know is that raising deductibles means you pay more out-of-pocket when you file a claim. That will force you to have some available funds in order to pay the deductible to have repairs made.

Deductible comparison

The chart below illustrates how choosing a deductible and can influence Ford Focus insurance costs for different insured age categories. The premiums assume a single female driver, comp and collision included, and no discounts are applied.

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

Lower rate quotes with discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be inquired about before you get the savings.Discount insurance

Discounts lower rates, but most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, that's just not realistic.

The best insurance companies and some of their more popular discounts can be found below.

Before buying, ask all the companies how many discounts you can get. All car insurance discounts may not apply to policies in your state.

What is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Your situation is unique and your policy should reflect that.Higher deductibles save money Here are some questions about coverages that may help you determine if your situation might need professional guidance.

If you can't answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Compare car insurance prices regularly to save

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy the best coverage you can find for the lowest cost.

Some insurance providers do not provide the ability to get quotes online and most of the time these regional carriers prefer to sell through independent agencies. Budget-conscious car insurance can be purchased online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

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