How long has it been since you sat down and looked for low-cost car insurance rates in Decatur, GA? Are you burned out from wondering where the money will come from to make your car insurance payment? You are no different than millions of other consumers.

Statistics show that most drivers in Georgia have stayed with the same insurance company for more than four years, and approximately 38% of consumers have never compared rates to find lower-cost insurance. With the average premium in the United States being $1,847, drivers could save as much as $859 each year just by shopping around, but most undervalue the actual amount they would save if they replace their high priced policy.

Consumers have so many insurance companies to pick from, and although it's nice to have multiple companies, lots of choices makes it harder to locate the cheapest rates.

It's a great practice to compare prices once or twice a year because car insurance rates tend to go up over time. Even if you got the best premium rates on car insurance six months ago you may be paying too much now. You'll find a ton of advice on car insurance on the web, but we're going to give you the easiest ways to put money back in your pocket.

Finding quotes for the cheapest car insurance coverage in Decatur is not as confusing as people think. In a nutshell, every car owner who wants cheaper car insurance will most likely be able to reduce their rates. Nevertheless, Georgia vehicle owners need to learn how big insurance companies market insurance on the web because it can help you find the best coverage.

How to buy auto insurance in Decatur, Georgia

It's important to know that comparing a wide range of rates helps increase your odds of locating more affordable rates. Not every company provides price estimates online, so it's necessary to compare rates from those companies as well.

The following companies have been selected to offer quotes in Georgia. If multiple providers are shown, we suggest you compare several of them to find the most competitive car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Decatur
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $926 $463 $77
Chevrolet Silverado LS Extended Cab 4WD $914 $457 $76
Dodge Ram Crew Cab Laramie 2WD $1,392 $696 $116
Ford Escape XLT 4WD $900 $450 $75
Ford F-150 XLT Super Cab 2WD $974 $487 $81
Ford Focus SEL 4-Dr Sedan $1,382 $691 $115
Ford Fusion SE 4-Dr Sedan $1,266 $633 $106
Honda Accord LX-P 4-Dr Sedan $1,118 $559 $93
Honda CR-V EX 2WD $1,150 $575 $96
Honda Civic Hybrid 4-Dr Sedan $1,178 $589 $98
Honda Odyssey EX-L W/Rear Entertainment $1,266 $633 $106
Kia Optima SX $1,570 $785 $131
Nissan Altima 3.5 SR 4-Dr Sedan $1,708 $854 $142
Toyota Camry XLE $1,236 $618 $103
Toyota Corolla S $1,384 $692 $115
Toyota Prius $1,300 $650 $108
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in Decatur location which can alter coverage rates significantly.

Impact of careless driving on car insurance rates

The example below illustrates how violations and at-fault accidents increase Honda Accord yearly insurance costs for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

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

Score discounts on Decatur insurance

Some companies do not list every policy discount in a way that's easy to find, so the next list breaks down a few of the more well known and the harder-to-find discounts that may be available.Discount insurance

Please keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies don't profit that way. Any amount of discount will bring down the cost of your policy.

Some of the insurance companies that may include some of the above discounts may include but are not limited to:

If you need lower rates, check with every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not be available in every state. If you would like to view insurance companies with significant discounts in Georgia, click here.

Car insurance is available from your local insurance agencies

Many people still prefer to talk to a local agent and doing that can be a smart decision A nice benefit of getting free rate quotes online is you may find cheaper auto insurance rates and still buy from a local agent. Supporting small agencies is especially important in Decatur.

Find insurance agent in DecaturBy using this short form, the coverage information is submitted to companies in Decatur who will give competitive quotes for your business. It's much easier because you don't need to find an agent on your own as quotes are delivered to you directly. It's the lowest rates and a licensed agent to work with. If you wish to get a price quote from a specific company, you just need to go to their quote page to submit a rate quote request.

Multiple types of auto insurance agents in Decatur

When looking for a local insurance agency, it's important to understand the different types of agencies to choose from. Decatur agents may be either independent or exclusive.

Independent Car Insurance Agents

Independent agents are not employed by one company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage which requires no work on your part.

When comparing car insurance rates, you need to check rates from several independent agencies to get the best comparison.

Exclusive Agencies

Exclusive agents can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide other company's prices so if the price isn't competitive there isn't much they can do. They are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Finding the right insurance agent is decision based upon more than just the price. Here are some questions you should ask.

Smart consumers save more

Multiple criteria are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other criteria are more obscure like your continuous coverage or your commute time. An important part of buying insurance is that you know some of the factors that go into determining the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with cheaper rates.

Rates can drop if you have more than one policy - Lots of companies allow a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to shop around to confirm you are receiving the best rates possible.

Married people drive safer - Getting married can get you a discount on your auto insurance policy. Marriage is viewed as being more mature and responsible and it's proven that married drivers tend to have fewer serious accidents.

More traffic equals higher premiums - Having an address in areas with lower population is a positive aspect when talking about auto insurance. People in densely populated areas regularly have more road rage incidents and more severe claims. Less people corresponds to lower accident rates and lower theft and vandalism rates.

Liability protection preserves assets - Liability coverage is the coverage that protects you if you are determined to be liable for personal injury or accident damage. This coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Youthful drivers cost more - Inexperience drivers have a tendency to be less responsible with other occupants in the car therefore auto insurance rates are much higher. More mature drivers have been proven to be more responsible, file fewer claims, and get fewer tickets.

Are you male or female? - Over time, data shows that females take fewer risks when driving. It does not mean men are worse drivers. They both cause auto accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure so it costs more to insure them.

Never let your auto insurance policy lapse - Allowing your coverage to lapse will be a fast way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance may result in a steep fine or even jail time. You will then be forced to file a SR-22 with the Georgia motor vehicle department to get your license reinstated.

Why you need car insurance

Despite the fact that car insurance is not cheap in Decatur, car insurance serves a purpose in several ways.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays as much as $869 every year so you should quote and compare rates at least once a year to ensure rates are inline.

Insurance losses by coverage

Are you driving a vehicle with a high chance of a claim? The data below outline the good and bad vehicle models for overall likelihood of having large claims organized by coverage.

Vehicle Make and Models with the Lowest and Highest Liability Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Kia Optima
Volvo XC60 Dodge Charger
Fiat 500 Chevrolet Impala
Chevrolet Corvette Mitsubishi Mirage
Acura MDX Mitsubishi Lancer
Audi A6 Chevrolet Cruze

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

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Bentley Continental Flying Spur
Nissan Xterra Audi RS7
Smart ForTwo Maserati Ghibli
GMC Canyon Ferrari 458
Chevrolet Colorado Bently Continental GT
Ford F-150 SuperCrew Bently Continental GTC

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

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Lancer
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 2500 Chrysler 200
Ford Expedition Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Sonic

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

Lowest and Highest Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Bentley Continental GTC
Smart ForTwo Porsche Panamera GTS
Volvo V60 Maserati Granturismo
GMC Sierra 2500 Mercedes-Benz S Class
Ford F-350 Bentley Continental GT
Infiniti QX50 BMW M6

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

Be persistent to save money

As you prepare to switch companies, never reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

We just presented a lot of information how to find cheaper coverage online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as Progressive or GEICO.

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