Searching for cheaper insurance for your car in Georgia can be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance rates so we're going to tell you the quickest way to quote coverages on a and find the lowest price from both online companies and Marietta agents.

The companies in the list below have been selected to offer free rate quotes in Marietta, GA. If multiple providers are shown, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Marietta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,362 $681 $114
Dodge Grand Caravan Crew $1,218 $609 $102
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,518 $759 $127
Ford Escape XLT 4WD $1,022 $511 $85
Ford Explorer Limited AWD $1,040 $520 $87
Ford F-150 XL Crew Cab 4WD $1,194 $597 $100
Ford Focus SE 4-Dr Sedan $1,360 $680 $113
Ford Fusion Sport 4-Dr Sedan $1,424 $712 $119
Honda Accord EX 2-Dr Coupe $1,296 $648 $108
Honda CR-V EX-L 2WD $1,074 $537 $90
Honda Civic LX 2-Dr Coupe $1,662 $831 $139
Honda Odyssey EX-L W/Rear Entertainment $1,294 $647 $108
Hyundai Elantra Blue 4-Dr Sedan $1,206 $603 $101
Mazda 3 S Sport 4-Dr Hatchback $1,266 $633 $106
Nissan Altima Hybrid 4-Dr Sedan $1,676 $838 $140
Toyota Camry LE $1,690 $845 $141
Toyota Corolla XLE $1,072 $536 $89
Toyota Prius $976 $488 $81
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $934 $467 $78
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in zip code location which can lower or raise auto insurance rates significantly.

Policy deductible comparison

The illustration below shows how choosing a deductible and can impact Kia Optima premium costs for each different age category. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Protect more than your vehicle

Even though it's not necessarily cheap to insure a vehicle in Marietta, insurance is required for several reasons.

First, the majority of states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability if you want to drive 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.

Second, if your vehicle has a loan, it's most likely the lender will force you to buy full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your vehicle for a lot more money and force you to pay for it.

Third, insurance protects not only your car but also your assets. Insurance will also pay for medical bills that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays as much as $750 every year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.

Components of your insurance policy prices

Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are more transparent like your vehicle usage and annual miles driven.

Defend yourself with liability coverage - Liability insurance provides coverage if ever you are determined to be liable for physical damage or personal injury to other. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

High comp and collision deductibles cost less - Your deductibles tell how much you are required to pay before your insurance pays a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be collision with another vehicle, damage caused by hail, or theft of your vehicle. The higher the amount you pay before a claim is paid (deductible), the better rate you will receive.

Drive a fast vehicle and pay more - The type of car or truck you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Low performance passenger cars usually have the lowest premiums, but other factors influence the final cost greatly.

Safer vehicles means cheaper insurance - Safer cars cost less to insure. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your car or truck is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Avoid unnecessary add-on coverages - Insurance policies have a lot of extra coverages that may not really be needed if you don't pay attention. Insurance for personal injury protection, high-cost glass coverage, and membership fees may be costing you every month. They may seem good when discussing your needs, but if they're wasting money consider taking them off your policy.

Occupation can influence rates - Do you have a high-stress occupation? Careers such as military personnel, airline pilots, and dentists generally have higher rates than the rest of us due to high stress and lots of time spent away from family. On the other hand, professions such as scientists, athletes and retirees pay lower than average rates.

Never let your insurance expire - Driving with no insurance can get you a ticket and as a result your rates will increase for letting your coverage have a gap. Not only will you pay higher rates, the inability to provide proof of insurance will get you fines or a revoked license.

Get cheaper insurance with discounts

Buying insurance is not cheap, but you may be missing some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.Cheaper insurance with discounts

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like it's possible to get free car insurance, company stockholders wouldn't be very happy.

For a list of insurance companies who offer cheap insurance quotes in Marietta in Georgia, click this link.

Auto insurance claims by make and model

Which makes and models have the fewest claims? The claim statistics below show the highest and lowest vehicles for likelihood of having large claims for each type of coverage listed.

Lowest and Highest Comprehensive Insurance Claims by Vehicle
Lowest Claims Highest Claims
Nissan Leaf Mercedes-Benz S Class
Smart ForTwo Maserati Quattroporte
Chevy Silverado 2500 Porsche Panamera GTS
Infiniti QX50 Bentley Continental GT
Nissan Xterra Audi S7
Chevy Spark BMW M6

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

Manufacturer Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Audi A4 Allroad Kia Forte
Chevrolet Corvette Hyundai Accent
Ford F-250 SuperCrew Chevrolet Spark
Ford Expedition Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Chrysler 200

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

Car Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Audi A6 Kia Rio
Subaru Forester Chevrolet Cruze
Subaru Outback Kia Optima
Fiat 500 Chrysler 200
Mercedes-Benz SL Class Chevrolet Sonic
Chevrolet Corvette Mitsubishi Mirage

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

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Jeep Wrangler Bently Continental GTC
Ford F-150 SuperCrew Bently Continental GT
Chevrolet Colorado Audi RS7
GMC Canyon Maserati Ghibli
Mini Cooper BMW 6 Series
Ford F-250 SuperCab BMW M6

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

Persistence will pay off

In this article, we covered a lot of tips how to save on car insurance in Marietta. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap Marietta car insurance quotes. You may even find the best rates are with a company that doesn't do a lot of advertising.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where someone dropped full coverage only to regret that it was a big mistake. Your focus should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

Cheaper car insurance in Marietta is attainable online and also from your neighborhood Marietta agents, so you need to shop Marietta car insurance with both in order to have the best chance of saving money. Some car insurance companies do not offer internet price quotes and many times these smaller companies only sell through independent insurance agencies.

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