Sick and tired of sacrificing other expenses to insure your vehicles every month? You're in the same situation as most other people in Georgia.

Unbelievable but true according to a study a large majority of insurance policyholders kept their coverage with the same insurance company for over three years, and 38% of drivers have never shopped around. Many drivers in Georgia could save an average of roughly 60% each year by just shopping around, but they don't know the actual amount they would save if they switch to a new company.

With so many choices of insurance companies, it is hard for the average consumer to pick the lowest price insurance company.

It's a great practice to compare prices before your next renewal because insurance prices tend to go up over time. Despite the fact that you may have had the lowest quotes on insurance a year ago you may be paying too much now. Ignore everything you know about insurance because I'm going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

Our goal in writing this article teach you a little about the best way to quote coverages and how to save the most money. If you have a current car insurance policy, you will be able to get lower rates using these techniques. Although Georgia consumers must learn the methods companies use to determine what you pay and apply this information to your search.

The are a couple different ways of comparing price quotes from all the different companies. The fastest way to find affordable insurance rates consists of obtaining rate quotes online.

Online shopping is fast and free, and it takes the place of having to drive to and from local Tifton insurance agencies. The fact that you can get quotes online reduces the need to sit down with an agent unless you want the professional assistance of a local Tifton agent. It is possible to compare online quotes but purchase the actual policy in an agency.

When comparison shopping, getting more free quotes helps you find the best price.

The auto insurance companies shown below can provide comparison quotes in Georgia. If several companies are displayed, it's highly recommended you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Tifton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 4WD $1,504 $752 $125
Dodge Ram Crew Cab Laramie 2WD $1,378 $689 $115
Ford Escape Limited 2WD $948 $474 $79
Ford Explorer Eddie Bauer 4WD $1,402 $701 $117
Ford F-150 Lariat Super Cab 2WD $1,396 $698 $116
Ford Focus SE 2-Dr Coupe $1,384 $692 $115
Ford Fusion SE 4-Dr Sedan $1,504 $752 $125
Honda Accord LX 4-Dr Sedan $1,004 $502 $84
Honda CR-V EX-L 2WD $1,038 $519 $87
Honda Civic Hybrid 4-Dr Sedan $1,158 $579 $97
Hyundai Sonata SE 4-Dr Sedan $1,332 $666 $111
Jeep Grand Cherokee Limited 2WD $1,296 $648 $108
Nissan Altima 3.5 SR 2-Dr Coupe $1,900 $950 $158
Toyota Camry LE $1,534 $767 $128
Toyota Corolla S $1,266 $633 $106
Toyota Prius $1,128 $564 $94
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can revise insurance rates noticeably.

Comparison of car insurance rates by gender

The example below visualizes the comparison of insurance rates for male and female drivers in Tifton. The premiums assume no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no other discounts are factored in on a Nissan Altima 2.5 S.

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

Cheap Tifton car insurance rates with discounts

Car insurance is expensive, but there could be available discounts to reduce the price significantly. A few discounts will be applied when you purchase, but a few need to be inquired about in order for you to get them.Cheaper car insurance with discounts

We need to note that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way.

For a list of companies that can offer you the previously mentioned discounts in Tifton, click this link.

Insurance is not optional in Georgia

Despite the high cost, insurance is not optional due to several reasons.

The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $855 a year so it's important to compare rates at every policy renewal to ensure rates are inline.

Get rate quotes but still have a local Tifton insurance agency

Many drivers prefer to have an agent's advice and that is just fine! One of the great benefits of comparing rate quotes online is the fact that you can find cheap insurance quotes and also buy local. Buying from and supporting local agents is important particularly in Tifton.

After filling out this short form, your coverage information is immediately sent to local insurance agents who will give you quotes for your business. It simplifies rate comparisons since you won't have to contact any agents as quotes are delivered to you instantly. You can get cheaper insurance rates without requiring a lot of work. If you wish to get a price quote from a particular provider, you just need to jump over to their website and give them your coverage information.

If you want to buy insurance from a reliable insurance agency, there are two types of agencies and how they are distinctly different. Insurance agencies in Tifton are either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents (or Brokers)

These agents can sell policies from many different companies so they can write business with any number of different companies and find you the best rates. If they find a lower price, the business is moved internally which requires no work on your part. When comparing rates, it's recommended you get quotes from a few independent agents to get the best comparison.

Exclusive Agents

Agents of this type can only place business with one company such as State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on sales techniques which helps them compete with independent agents.

Finding the right car insurance agent is decision based upon more than just a cheap price quote. Here are some questions to ask: