Has it been over a year since you last compared quotes for more affordable car insurance rates in Lawrenceville, GA? Feeling guilty for buying an underperforming, overpriced car insurance policy? Say no more because there are a lot of people in Lawrenceville just like you who feel imprisoned by their car insurance policy.

Unfortunately, a large majority of drivers in Georgia have bought car insurance from the same company for four years or more, and almost half have never quoted rates to find cheap coverage. With the average premium in the U.S. being $1,847, drivers can save as much as $859 each year just by getting comparison quotes, but they just don't understand the amount of savings they would get if they switched.

Due to the abundance of options, it can be hard to pick the lowest cost company.

Consumers need to get comparison quotes yearly because car insurance rates trend upward over time. Just because you found the best rate on car insurance last year you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate one of the easiest ways to reduce your cost while improving coverage.

Our goal is to teach you how to compare rates easily and also pocket some savings If you have insurance now, you will definitely be able to buy cheaper auto insurance using the techniques covered below. But Georgia consumers do need to learn the way insurance companies price insurance differently.

The best way to compare car insurance company rates is to take advantage of the fact car insurance companies participate in online systems to give you rate quotes. To get started, all you need to do is give the companies some data like which vehicles you own, types of safety features, if you have a valid license, and how many miles driven. The data is automatically sent to multiple auto insurance providers and they return quotes almost instantly.

If you would like to start a quote now, click here and enter the information requested.

The providers in the list below have been selected to offer price quotes in Lawrenceville, GA. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Lawrenceville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,220 $610 $102
Chevrolet Impala LT $1,082 $541 $90
Chevrolet Silverado LT Regular Cab 2WD $1,648 $824 $137
Dodge Ram Quad Cab ST 4WD $1,326 $663 $111
Ford Escape XLT 2WD $1,010 $505 $84
Ford F-150 XLT Super Cab 2WD $1,322 $661 $110
Ford Focus SES 2-Dr Coupe $1,172 $586 $98
Honda Accord EX 2-Dr Coupe $1,502 $751 $125
Honda CR-V LX 4WD $1,118 $559 $93
Honda Civic EX 4-Dr Sedan $1,230 $615 $103
Hyundai Sonata SE 4-Dr Sedan $1,168 $584 $97
Jeep Grand Cherokee Laredo 2WD $1,300 $650 $108
Mazda 3 S Grand Touring 4-Dr Hatchback $1,522 $761 $127
Nissan Altima 2.5 4-Dr Sedan $1,400 $700 $117
Nissan Rogue S 2WD $1,260 $630 $105
Toyota Camry SE $1,484 $742 $124
Toyota Corolla S $1,458 $729 $122
Toyota RAV4 Limited 2WD $1,342 $671 $112
Volkswagen Jetta S 4-Dr Sedan $1,326 $663 $111
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific Lawrenceville garaging location which can modify premiums noticeably.

Gender-based car insurance rates by age

The information below shows the comparison of auto insurance costs for male and female drivers in Lawrenceville. The prices are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium on a GMC Acadia SLE.

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

Deductible analysis

The illustration below illustrates how choosing a deductible and can increase or decrease Hyundai Sonata insurance costs for different age groups. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate increases following a ticket or accident

The information below shows how speeding tickets and at-fault accidents influence Nissan Sentra yearly insurance costs for each different age group. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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

Discount Lawrenceville auto insurance rates

The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. Certain reductions will be credited when you get a quote, but less common discounts must be manually applied prior to receiving the credit.Auto insurance discounts

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

Larger auto insurance companies and a summarized list of policyholder discounts include:

If you are trying to find affordable Lawrenceville car insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to choose from a list of insurance companies that offer the discounts shown above in Georgia, click here.

What impacts Lawrenceville auto insurance costs?

It's important that you understand some of the things that are used to determine your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may result in cheaper rates. Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, although others are less obvious like your continuous coverage or how safe your car is.

Local Lawrenceville insurance agents and auto insurance

A lot of people just prefer to have an agent's advice and that is not a bad decision The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes and still have a local agent. Buying from neighborhood agents is definitely important in Lawrenceville.

Insurance agency in LawrencevilleBy using this simple form, your insurance data is emailed to companies in Lawrenceville who want to provide quotes for your business. You won't even need to find an agent on your own since rate quotes are delivered to you. Get lower rates without having to waste a lot of time. If you have a need to get a rate quote for a specific company, you would need to go to their quote page and fill out the quote form the provide.

The different types of car insurance agents

If you are searching for a reputable agency, there are two types of agencies and how they are distinctly different. Auto insurance agents in Lawrenceville can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents

Agents in the independent channel can sell policies from many different companies so they have the ability to put coverage with many different companies and get you the best rates possible. If your premiums go up, the agent simply finds a different carrier which requires no work on your part.

If you need cheaper auto insurance rates, you will want to get rate quotes from at a minimum one independent agency to get the best comparison.

Exclusive Auto Insurance Agencies

Agents of this type can usually just insure with one company such as State Farm, AAA, and Liberty Mutual. These agents are not able to shop your coverage around so you might not find the best rates. These agents are very knowledgeable on what they offer which aids in selling service over price.

Choosing a insurance agency should depend on more than just the price. Some important questions to ask are:

Auto insurance overall losses by make and model

Which vehicles statistically have the fewest claims? The statistics tables below list the best and worst vehicles for overall likelihood of filing claims organized by coverage.

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Tesla Model S Chrysler 200
Ford Expedition Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Nissan Sentra
Audi A4 Allroad Dodge Charger

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

Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 BMW M6
Chevy Spark BMW M6
Ford F-350 Maserati Granturismo
Infiniti QX50 Maserati Quattroporte
Volvo V60 Mercedes-Benz S Class
Nissan Xterra Porsche Panamera GTS

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

Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Fiat 500 Kia Rio
Audi A6 Chevrolet Impala
Acura MDX Chevrolet Cruze
Chevrolet Corvette Hyndai Accent
Subaru Outback Chevrolet Sonic
Mercedes-Benz SL Class Dodge Charger

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

Lowest and Highest Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Nissan GT-R
Ford Edge BMW 6 Series
Smart ForTwo Maserati Granturismo
Ford F-150 SuperCrew Audi RS7
Ford F-250 SuperCab Maserati Ghibli
Jeep Wrangler BMW M6

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

Can you really save that much by switching?

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all seem to convey the message about how much you will save if you switch your policy. How do they all have lower policy pricing? It's all in the numbers.

Most companies can use profiling for the type of customer that will be a good risk. An example of a desirable risk might be described as married and over the age of 30, carries full coverage, and drives a car with an anti-theft system. A customer getting a price quote who matches that profile receives the best premium rates in Lawrenceville and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall short of those criteria will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The trick companies use is to say "drivers that switch" not "everyone that quotes" can save as much as they claim. That's why companies can lure you into getting a quote.

This really illustrates why it is so important to get as many free Lawrenceville car insurance quotes as possible. It is impossible to guess which auto insurance company will have the lowest rate quotes.

Cheaper auto insurance rates are possible

As you go through the steps to switch your coverage, it's not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.

In this article, we covered many ways to compare auto insurance car insurance rates in Lawrenceville. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper Lawrenceville car insurance quotes. Consumers may even find the most savings is with a smaller regional carrier. These companies can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.

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