Finding a different company that has the cheapest Dublin auto insurance may seem complicated initially if you are someone who has never done rate quotes online. Don't let that bother you because finding affordable coverage is easier than you think.
Regrettably, nearly 70% of customers kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never taken the time to shop around. With the average premium in the U.S. being $1,847, drivers can cut their rates by about $860 a year, but they just assume it takes a lot of time to do a rate comparison.
Consumers should take time to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. Even if you got the lowest rate on auto insurance on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to reduce your cost while improving coverage.
If you have a policy now, you stand a good chance to be able to cut your premiums using the concepts covered in this article. Quoting and comparing cheaper auto insurance coverage in Dublin is actually quite simple. Nevertheless, Georgia vehicle owners do need to learn how companies market on the web because rates fluctuate considerably.
Just remember that having more price comparisons helps you find better pricing.
The providers in the list below provide price quotes in Georgia. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$996||$498||$83|
|Chevrolet Impala LTZ||$1,448||$724||$121|
|Chevrolet Silverado LT Regular Cab||$1,398||$699||$117|
|Dodge Ram Crew Cab Sport 4WD||$1,394||$697||$116|
|Ford Escape Limited 2WD||$882||$441||$74|
|Ford F-150 XLT Regular Cab 4WD||$1,038||$519||$87|
|Ford Focus SEL 4-Dr Sedan||$1,394||$697||$116|
|Honda Accord EX-L 2-Dr Coupe||$1,938||$969||$162|
|Honda CR-V LX 2WD||$1,270||$635||$106|
|Honda Civic DX 4-Dr Sedan||$1,468||$734||$122|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,224||$612||$102|
|Nissan Rogue S AWD||$1,114||$557||$93|
|Toyota Camry Hybrid||$1,786||$893||$149|
|Toyota Corolla XRS||$1,178||$589||$98|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific zip code location which can raise or lower premiums considerably.
Does full coverage make sense?
The illustration below illustrates the difference between Nissan Altima insurance prices with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $1,000 deductibles, married female driver, and no discounts are factored in.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying comprehensive and collision coverage
There is no specific rule for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let's assume your Nissan Altima replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some scenarios where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.
Irresponsible driving raises your rates
The information below shows how speeding tickets and fender-benders drive up Hyundai Sonata auto insurance costs for different age groups of insureds. The information is based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Premiums by gender and age
The example below illustrates the difference between auto insurance rates for male and female drivers in Dublin. The information is based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied on a Honda Pilot Touring.
Honda Pilot rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Protect more than your vehicle
Even though it can be expensive, car insurance is required for several reasons.
- Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability protection in order to drive the car legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, it's most likely the lender will make it a condition of the loan that you have full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may insure your vehicle at a significantly higher premium and force you to reimburse them the higher premium.
- Car insurance protects both your assets and your vehicle. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. On average, a vehicle owner in Dublin is overpaying over $850 per year so it's important to compare rates at every renewal to make sure the price is not too high.
Smart consumers save more
One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that come into play when calculating the price you pay for car insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that can earn you better car insurance rates. Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but some are less obvious such as your marital status or how financially stable you are.
Keep rates low by being claim-free - If you're an insured who likes to file claims you can look forward to either higher rates or even cancellation. Companies in Georgia give cheaper rates to people who do not file claims often. Your insurance policy is designed for the large, substantial claims.
Do you have a demanding job? - Jobs such as doctors, executives and emergency personnel have the highest average rates in part from stressful work requirements and extremely grueling work hours. On the flip side, professions such as professors, engineers and homemakers have the lowest average rates.
Maintain car insurance coverage - Allowing your car insurance policy to lapse is a fast way to increase your car insurance rates. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a steep fine or even jail time.
Better car insurance rates with anti-theft devices - Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.
Your address can influence prices - Residing in a small town has it's advantages if you are looking for the lowest rates. Less people living in that area means a lower chance of having an accident. People in densely populated areas tend to have much more traffic and more severe claims. The longer drive time translates into higher accident risk.
Lower rates for married couples - Walking down the aisle can get you a discount on your policy. Having a significant other is viewed as being more stable financially and insurance companies like that drivers who are married are more cautious.
Liability insurance is important - The liability coverage on your policy is the protection in the event that a court rules you are at fault for personal injury or accident damage. This coverage provides legal defense to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Safer vehicles save money - Safe vehicles tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and fewer serious injuries means less claims paid and thus lower rates. If your vehicle scored better than four stars on Safercar.gov you may qualify for a discount.
Discounts mean cheaper rates
Insurance can cost an arm and a leg, but you may find discounts that can help lower your rates. Many discounts should be triggered at quote time, but once in a while a discount must be manually applied prior to getting the savings. If you're not getting every credit available, you could be paying more than you need to.
- Safe Driver Discount - Insureds without accidents can save up to 40% or more on their Dublin auto insurance quote compared to accident prone drivers.
- Accident Free - Claim-free drivers get the best auto insurance rates as compared to policyholders that have many claims.
- Driver Education Discount - Require your teen driver to successfully complete driver's ed class as it can save substantially.
- ABS Braking Discount - Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
- Multiple Vehicles - Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.
As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it's just not the way it works.
Car insurance companies that may offer most of the discounts above include:
Check with every insurance company how you can save money. Depending on the company, some discounts may not apply in Dublin.
It's not one size fits all
Always keep in mind that when comparing your policy, there isn't really a "best" method to buy coverage. Your needs are unique to you.
These are some specific questions might point out whether or not you would benefit from an agent's advice.
- Why is insurance for a teen driver so high in Dublin?
- How much will a speeding ticket raise my rates?
- What is roadside assistance coverage?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Does my policy cover me if I wreck while driving under the influence?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I need special endorsements for business use of my vehicle?
If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.
Compare. Compare. Compare.
Some insurance companies may not provide rate quotes online and many times these small insurance companies only sell through independent agents. Cheap auto insurance in Dublin is available both online in addition to many Dublin insurance agents, so compare prices from both to have the best rate selection.
As you go through the steps to switch your coverage, it's very important that you do not buy less coverage just to save a little money. There have been many cases where an insured cut liability coverage limits to discover at claim time that it was a big error on their part. The aim is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.
Consumers switch companies for any number of reasons including unfair underwriting practices, poor customer service, high rates after DUI convictions or even denial of a claim. Regardless of your reason, switching auto insurance companies can be pretty painless.
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- What Car Insurance is Cheapest in Marietta, Georgia? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Rogue in Georgia? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Georgia? (FAQ)
- Who Has Cheap Georgia Auto Insurance Rates for Immigrants? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)