Want to learn the secrets to finding low-cost auto insurance rates in Atlanta, GA? Locating better insurance prices for a new or used car in Georgia can be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to find auto insurance online so you're going to learn the proper way to get price quotes on a and locate the cheapest rates.

Determine discounts to get cheap Atlanta insurance quotes

Companies do not list their entire list of discounts very well, so we break down a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Atlanta car insurance online.Save money with discounts

Just know that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, nobody gets a free ride. But any discount should definitely cut your overall bill.

To find insurance companies who offer discounts in Atlanta, click here to view.

Quote Atlanta car insurance online

The companies shown below are our best choices to provide comparison quotes in Atlanta, GA. If multiple providers are shown, we recommend you visit several of them in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Atlanta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,224 $612 $102
Chevrolet Silverado LT Extended Cab 4WD $1,558 $779 $130
Dodge Ram Crew Cab TRX 2WD $1,258 $629 $105
Ford Escape Limited 2WD $1,042 $521 $87
Ford Explorer Eddie Bauer 4WD $1,604 $802 $134
Ford F-150 FX2 2WD $1,572 $786 $131
Ford Focus SE 2-Dr Coupe $1,302 $651 $109
Ford Fusion SEL AWD 4-Dr Sedan $1,380 $690 $115
Honda Accord EX-L 2-Dr Coupe $1,068 $534 $89
Honda CR-V EX-L 4WD $1,042 $521 $87
Honda Civic EX-L 4-Dr Sedan $1,686 $843 $141
Jeep Wrangler Rubicon 4WD 2-Dr $1,110 $555 $93
Mazda 3 S Grand Touring 4-Dr Hatchback $1,002 $501 $84
Nissan Altima 2.5 4-Dr Sedan $1,368 $684 $114
Toyota Camry SE $1,484 $742 $124
Toyota Corolla S $1,488 $744 $124
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can lower or raise rates noticeably.

Physical damage deductible comparison

The chart below illustrates how your deductible choice and can change Ford Focus insurance prices for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

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

Price comparison of only insuring for liability

The diagram below shows the comparison of Ford Fusion insurance costs with full coverage and liability only. The prices are based on no tickets, no at-fault accidents, $100 deductibles, single female driver, and no discounts are factored in.

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

Should you pay for full coverage or liability only?

There is no clear-cut formula to drop full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Fusion replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If it's costing you more than $800 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Higher deductibles save money

One of the most common auto insurance questions is at what level do you set your deductibles. The tables below lay out the differences in price between low and high insurance deductibles. The first set of prices uses a $250 deductible and the second price grid uses a $1,000 deductible.

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

Ford Fusion insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $304 $512 $394 $24 $118 $1,377 $115
Fusion SE 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion Hybrid 4-Dr Sedan $344 $694 $492 $30 $148 $1,733 $144
Fusion SEL 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion Sport 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion SEL AWD 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
Fusion Sport AWD 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
Get a Quote for Your Vehicle Go
Ford Fusion insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $188 $322 $394 $24 $118 $1,046 $87
Fusion SE 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion Hybrid 4-Dr Sedan $212 $438 $492 $30 $148 $1,320 $110
Fusion SEL 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion Sport 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion SEL AWD 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
Fusion Sport AWD 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific Atlanta garaging location which can impact rates significantly.

Based on the figures above, using a $250 deductible will cost you about $33 more each month or $396 each year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would save money if you opt for a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $130
Average monthly premium for $1,000 deductibles (subtract): - $97
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to be aware of is that raising deductibles means you pay more out-of-pocket at claim time. You should have access to more funds in the event you need to pay more to get your vehicle repaired.

Local agents and car insurance

A lot of people just want to talk to a local agent and often times that is recommended Good insurance agents are trained to spot inefficiencies and help file insurance claims. An additional benefit of comparing rates online is that you can find cheap car insurance quotes and still have an agent to talk to. Supporting small agencies is especially important in Atlanta.

Find insurance agent in AtlantaUpon completion of this quick form, your coverage information is immediately sent to local insurance agents who will give competitive quotes for your car insurance coverage. You never need to contact any agents since price quotes are sent to your email. If you need to quote rates from a specific car insurance provider, just find their quoting web page and submit a quote form there.

If you want a reliable insurance agent, you should know the different agency structures and how they can quote your rates. Car insurance agents in Atlanta are categorized either exclusive agents or independent agents. Either one can sell and service car insurance coverage, but we need to point out the subtle differences because it can factor into the kind of agent you use.

Independent Agents

These agents often have affiliation with several companies so as a result can place your coverage with any number of different companies and find you cheaper rates. If premiums increase, your agent can just switch to a different company without you having to go to a different agency. When shopping rates, you will want to include rate quotes from independent agents for the best price selection. They also have the ability to place coverage with smaller companies that can offer cheaper rates than bigger companies.

Featured below are independent agencies in Atlanta that may be able to give free car insurance rate quotes.

View more Atlanta agents

Exclusive Insurance Agencies

Exclusive agencies can only write with one company such as Allstate and State Farm. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. They are well schooled on their company's products and that can be a competitive advantage. Consumers frequently buy from the same agent for years mostly because of the brand legacy rather than low price.

Listed below is a list of exclusive agents in Atlanta that are able to give price quotes.

View more Atlanta agents

Deciding on an car insurance agent should include more criteria than just the quoted price. Get answers to these questions too.

Upon getting positive feedback to all your questions as well as a affordable price, chances are good that you have found a car insurance agent that meets the criteria to adequately provide car insurance. But keep in mind you are entitled to terminate coverage when you choose so never assume you're contractually obligated to a specific agent with no way out.

Insurance losses by coverage

Are you driving a vehicle with a high chance of a claim? The statistics below show the highest and lowest vehicle makes and models for the probability of filing claims.

Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Audi RS7
Mini Cooper Maserati Ghibli
Nissan Xterra BMW 6 Series
Chevrolet Colorado Nissan GT-R
Jeep Wrangler Bently Continental GT
Ford Edge Bentley Continental Flying Spur

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Tesla Model S Chevrolet Sonic
Ford Expedition Dodge Charger
Ford F-350 SuperCrew Chrysler 200
Chevrolet Corvette Nissan Versa
Audi A4 Allroad Chevrolet Spark
Chevrolet Silverado 3500 Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo V60 Maserati Granturismo
Infiniti QX50 BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Ford F-350 Audi S7
Nissan Xterra BMW M6
GMC Sierra 2500 Maserati Quattroporte

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claim Amount Highest Claim Amount
Audi A6 Kia Rio
Chevrolet Corvette Kia Optima
Subaru Forester Chevrolet Sonic
Volvo XC60 Hyndai Accent
Acura MDX Chrysler 200
Fiat 500 Chevrolet Impala

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How much can you save?

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

You just read many ways to compare insurance premium rates in Atlanta. The key thing to remember is the more you quote Atlanta car insurance, the better your chances of lowering your prices. You may even be surprised to find that the most savings is with an unexpected company.

Insureds switch companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, poor customer service or questionable increases in premium. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

Other information