Have you finally had enough of not being able to scrape enough together each month for auto insurance? You are no different than many other Georgia consumers.

A recent NerdWallet.com study revealed that the vast majority of drivers renewed their policy with the same company for at least four years, and about 40% of consumers have never quoted rates to find cheap coverage. The average driver in Cartersville could save as much as 60% every year just by getting comparison quotes, but they don't invest the time required to compare rate quotes. Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to get comparison quotes yearly because insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates on auto insurance on your last policy the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to lower your annual insurance bill.

The companies in the list below are ready to provide free rate quotes in Cartersville, GA. If more than one company is shown, we suggest you visit several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Cartersville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,176 $588 $98
Chevrolet Silverado LTZ Crew Cab 4WD $1,290 $645 $108
Dodge Grand Caravan SE $1,578 $789 $132
Dodge Ram Crew Cab ST 2WD $1,634 $817 $136
Ford Escape XLS 4WD $882 $441 $74
Ford F-150 XL Crew Cab 4WD $1,358 $679 $113
Ford Focus S 4-Dr Sedan $1,216 $608 $101
Ford Fusion Sport 4-Dr Sedan $1,296 $648 $108
GMC Sierra SLT Extended Cab 4WD $1,290 $645 $108
Honda Accord LX-P 4-Dr Sedan $1,000 $500 $83
Honda CR-V LX 4WD $1,294 $647 $108
Honda Civic VP 4-Dr Sedan $1,080 $540 $90
Hyundai Elantra Blue 4-Dr Sedan $1,452 $726 $121
Hyundai Sonata GLS 4-Dr Sedan $1,176 $588 $98
Nissan Altima 3.5 SR 2-Dr Coupe $1,628 $814 $136
Toyota Camry Hybrid $1,362 $681 $114
Toyota Corolla XRS $1,696 $848 $141
Volkswagen Jetta 2.0T 4-Dr Sedan $1,504 $752 $125
Get Your Own Custom Quote Go

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific Cartersville garaging location which can modify coverage prices substantially.

Do you need full coverage?

The chart below shows the difference between Ford F-150 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no violations or claims, $250 deductibles, married female driver, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you be buying full coverage?

There is no set guideline to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford F-150 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Car insurance deductibles

The information below shows how different deductible levels and can affect Nissan Sentra insurance prices for different age categories. The information is based on a married female driver, comp and collision included, and no discounts are applied.

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

Three reasons auto insurance is important

Despite the potentially high cost of auto insurance, insurance may be mandatory for several reasons.

The benefits of carrying enough insurance outweigh the cost, especially for larger claims. As of last year, the average driver in Georgia overpays as much as $865 each year so compare rate quotes at every renewal to save money.

Cheap Cartersville insurance rates with discounts

Some providers do not list all discounts very well, so the below list has both the well known and also the lesser-known discounts that you may qualify for. If you're not getting every credit available, you are just wasting money.Discount insurance

Discounts lower rates, but some credits don't apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, you're out of luck.

If you would like to view insurance companies who offer discounts in Georgia, click this link.

Auto insurance agents can help

A small number of people just want to sit down with an agent and that is recommended in a lot of cases Insurance agents can help determine the best coverages and give you someone to call. One of the best bonuses of getting free rate quotes online is the fact that you can find cheap car insurance rates and still buy from a local agent. Buying from neighborhood agents is still important in Cartersville.

Cartersville insurance agentsUpon completion of this short form, the quote information gets sent to agents in your area who can give free rate quotes for your insurance coverage. There is no need to contact any insurance agencies as quotes are delivered instantly to you. If for some reason you want to quote rates from one company in particular, don't hesitate to go to their quote page and fill out their quote form.

If you are wanting to purchase car insurance from local Cartersville agents, it helps to know the two types of insurance agents and how they are distinctly different. Agencies in Cartersville can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can provide car insurance policies, but it's worth learning the subtle differences since it can impact which type of agent you select.

Independent Agents

Agents that choose to be independent do not work for one specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent. When shopping rates, you definitely need to include rate quotes from a few independent agents so that you can do a thorough price comparison.

Exclusive Car Insurance Agencies

Exclusive agencies work for only one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents.

Selecting an insurance agent should depend on more than just the price. Below are some questions you should ask.

After talking to the agent and getting good feedback to any questions you may have as well as an affordable premium quote, you have narrowed it down to an insurance agency that is reputable and can properly service your car insurance policy.

Auto insurance coverage options

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you'll find the usual coverages available from auto insurance companies.

Collision coverage - This coverage pays for damage to your vehicle from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for expenses for hospital visits, pain medications and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability - Liability coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and doesn't cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, legal defense fees, medical expenses, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. Georgia requires drivers to carry at least 25/50/25 but drivers should carry more liability than the minimum.

Comprehensive insurance - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hail damage, hitting a deer and rock chips in glass. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) - Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle's damage.

Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Car insurance overall losses by make and model

Which vehicles tend to have high claims? The next tables show the best and worst models for overall likelihood of having claims for each type of coverage.

Auto Insurance Collision Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Mini Cooper Maserati Granturismo
Ford F-150 SuperCrew Audi RS7
Jeep Wrangler Nissan GT-R
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon Maserati Ghibli
Nissan Xterra Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Corvette Chrysler 200
Land Rover Range Rover Sport Dodge Charger
Tesla Model S Chevrolet Spark
Ford Expedition Kia Forte
Chevrolet Silverado 2500 Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Dodge Charger
Acura MDX Kia Optima
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Chrysler 200
Subaru Forester Hyndai Accent
Subaru Outback Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Comprehensive Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 BMW M6
Chevy Silverado 2500 Maserati Granturismo
Nissan Leaf Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Volvo V60 BMW M6
Smart ForTwo Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

One last thing to lower rates

More affordable car insurance in Cartersville can be sourced both online in addition to many Cartersville insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer rate quotes online and these small insurance companies work with local independent agents.

When getting Cartersville car insurance quotes online, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price.

We just presented quite a bit of information on how to shop for car insurance online. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding cheap Cartersville car insurance quotes. Drivers may even discover the best price on car insurance is with some of the smallest insurance companies. Some small companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Progressive or GEICO.

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