Do you get exhausted from robbing Peter to pay Paul to pay insurance each month? You are no different than many other Georgia drivers.

Unbelievable but true according to a study almost 70% of drivers in Georgia have bought insurance from the same company for well over three years, and 38% of customers have never quoted insurance rates at all. Drivers in the U.S. can cut their rates by $850 a year by just comparing rate quotes, but they just don't understand the big savings they would realize if they moved their coverage to a different company.

Drivers have so many auto insurance companies to choose from, and even though it's nice to have multiple companies, having more car insurance companies makes it harder to compare rates.

It's smart to compare rates occasionally because prices go up and down regularly. Even if you got the lowest rates on insurance two years ago a different company probably has better rate quotes today. Ignore everything you know about insurance because we're going to show you the right way to find lower rates on insurance.

These techniques will let you in on the most effective ways to compare rates and some money-saving tips. If you're already insured, you will be able to reduce the price you pay using the ideas presented in this article. Although Georgia vehicle owners do need to understand how big insurance companies price insurance differently and apply this information to your search.

Companies offering cheap price quotes in Georgia

The companies in the list below offer free rate quotes in Georgia. If the list has multiple companies, it's a good idea that you get price quotes from several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Pooler
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,242 $621 $104
Chevrolet Silverado LT Extended Cab 2WD $1,372 $686 $114
Dodge Ram Crew Cab Laramie 2WD $1,982 $991 $165
Ford Escape XLT 2WD $1,294 $647 $108
Ford F-150 XLT Super Cab 4WD $998 $499 $83
Ford Focus SES 2-Dr Coupe $1,352 $676 $113
Ford Fusion Sport 4-Dr Sedan $1,346 $673 $112
GMC Sierra Denali Crew Cab 2WD $1,398 $699 $117
Honda Accord EX-L 4-Dr Sedan $964 $482 $80
Honda CR-V EX-L 2WD $1,004 $502 $84
Honda Civic DX 2-Dr Coupe $1,366 $683 $114
Mazda 3 S Grand Touring 4-Dr Sedan $1,178 $589 $98
Nissan Altima 2.5 S 4-Dr Sedan $1,638 $819 $137
Toyota Camry LE $1,162 $581 $97
Toyota Corolla XRS $1,094 $547 $91
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific garaging location which can influence coverage rates greatly.

Impact of careless driving on auto insurance rates

The information below demonstrates how traffic citations and at-fault fender-benders can influence Chevrolet Malibu car insurance rates for each different age group. Data assumes a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

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

Four factors that affect insurance rates

Multiple criteria are used in the calculation when you quote your car insurance policy. Some are obvious such as traffic violations, but some are less obvious like your continuous coverage or your commute time.

Shown below are a few of the "ingredients" insurance companies consider when setting your prices.

Discounts can help to save on auto insurance

Some companies do not list their entire list of discounts very well, so the list below details a few of the more well known as well as some of the hidden discounts that may be available.Cheaper auto insurance with discounts

You can save money using discounts, but some credits don't apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts should definitely cut your auto insurance premiums.

Companies that may include these benefits include:

Check with all companies you are considering how you can save money. Some of the earlier mentioned discounts might not apply in Pooler. To locate insurers who offer discounts in Pooler, click this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to say the same thing that drivers can save some big amount if you get a free Pooler auto insurance quote and switch to their company. How is it possible that every company can say the same thing? It's all in the wording.

Many companies offer their best rates for the type of insured they prefer to insure. For example, this type of driver may need to be between 30 and 50, is a homeowner, and has great credit. A customer that matches those criteria will qualify for the lowest prices in Pooler and most likely will save a lot on Pooler insurance if they switch.

Consumers who don't qualify for the ideal profile will get higher rates and the customer buying from a different company. If you listen closely, the ads state "customers who switch" but not "all drivers who get quotes" save that much when switching. That's why insurance companies can advertise the way they do.

This illustrates why you really need to compare price quotes frequently. It's just too difficult to predict with any certainty which company will have the best insurance in Pooler.

Will just any policy work for me?

When quoting and comparing your policy for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.Drive safe and save

For instance, these questions may help you determine whether or not you could use an agent's help.

If you don't know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance losses by coverage

Which vehicles tend to have fewer claims? The data below list the best and worst vehicles for likelihood of having to file claims organized by coverage.

Manufacturer Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Ferrari 458
Smart ForTwo Maserati Granturismo
Jeep Wrangler Maserati Ghibli
Nissan Xterra BMW M6
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon BMW 6 Series

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

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Nissan Sentra
Chevrolet Corvette Chrysler 200
Ford Expedition Kia Forte
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Chevrolet Sonic
Tesla Model S Mitsubishi Lancer

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

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark BMW M6
Ford F-350 Maserati Granturismo
Nissan Leaf Bentley Continental GT
Chevy Silverado 2500 Porsche Panamera GTS
GMC Sierra 2500 Maserati Quattroporte
Nissan Xterra Audi S7

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

Vehicle Make and Models with the Lowest and Highest Liability Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Fiat 500 Kia Rio
Chevrolet Corvette Dodge Charger
Acura MDX Chevrolet Impala
Audi A6 Chevrolet Sonic
Subaru Outback Mitsubishi Lancer
Mercedes-Benz SL Class Mitsubishi Mirage

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

Lower rates by being persistent

More affordable insurance in Pooler can be bought online in addition to many Pooler insurance agents, and you should compare price quotes from both to have the best selection. A few companies don't offer the ability to get quotes online and these small, regional companies work with local independent agencies.

When trying to cut insurance costs, do not buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage and learned later they didn't purchase enough coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

People switch companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions and even unfair underwriting practices. Regardless of your reason, finding a new company is less work than it seems.

Additional insurance information is located below: