Are you kicking yourself for buying high-priced car insurance? Don't sweat it because there are many Statesboro drivers thinking the same thing.

Statistics show that most drivers in Georgia have purchased from the same company for at least four years, and just under half have never even shopped around for cheap coverage. American drivers could save an average of approximately 47% each year by just shopping around, but they don't understand how simple it is to compare rates. Many insurers compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate on car insurance.

Lower rates by qualifying for discounts

Some insurance providers don't list every discount in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find savings tricks you should be using when you buy Statesboro car insurance online.Cheaper insurance with discounts

Remember that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, you won't be that lucky.

Companies and some of their more popular discounts are included below.

If you are trying to find low cost Statesboro car insurance quotes, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in Statesboro. To see insurance companies that can offer you the previously mentioned discounts in Statesboro, click here.

The companies shown below can provide price quotes in Georgia. If multiple companies are listed, it's highly recommended you compare several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Statesboro
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,018 $509 $85
Chevrolet Silverado LTZ Extended Cab 2WD $1,412 $706 $118
Dodge Ram Crew Cab TRX 4WD $1,362 $681 $114
Ford Escape XLS 4WD $882 $441 $74
Ford F-150 XL Crew Cab 2WD $1,466 $733 $122
Ford Focus SE 4-Dr Sedan $1,076 $538 $90
Ford Fusion Hybrid 4-Dr Sedan $1,308 $654 $109
Honda Accord EX-L 4-Dr Sedan $1,396 $698 $116
Honda CR-V EX 4WD $1,036 $518 $86
Honda Civic SI 4-Dr Sedan $1,582 $791 $132
Hyundai Sonata GLS 4-Dr Sedan $1,124 $562 $94
Jeep Grand Cherokee Laredo 4WD $1,220 $610 $102
Nissan Altima 2.5 S 2-Dr Coupe $1,188 $594 $99
Toyota Camry Hybrid $1,552 $776 $129
Toyota Corolla XLE $1,484 $742 $124
Volkswagen Jetta S 2.5 Station Wagon $1,304 $652 $109
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can impact coverage prices substantially.

Male drivers versus female drivers

The chart below illustrates the comparison of auto insurance rates for male and female drivers in Statesboro. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in on a Chevrolet Tahoe LT.

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

Everyone needs different car insurance coverages

When it comes to choosing proper insurance coverage, there is no "best" method to buy coverage. Everyone's situation is unique and your policy should reflect that.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether or not you might need an agent's assistance.

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Independent versus exclusive insurance agencies

Many people still prefer to sit down with an agent and there is nothing wrong with that. Agents can make sure you are properly covered and give you someone to call. One of the best bonuses of comparing insurance online is the fact that drivers can get cheap insurance quotes and still buy from a local agent.

Insurance agency in StatesboroTo make it easy to find an agent, after completing this quick form, your insurance data is transmitted to participating agents in Statesboro who will give you quotes to get your business. You won't even need to find an agent because quoted prices will be sent to your email. If you want to quote rates from a specific insurance provider, just search and find their rate quote page and complete a quote there.

Deciding on an insurer is decision based upon more than just a cheap quote. A good agent in Statesboro will have answers to these questions.

When looking for local Statesboro agents, it can be helpful to understand the types of insurance agents and how they operate. Agencies in Statesboro are classified as either independent or exclusive depending on the company they work for. Either type can properly insure your vehicles, but it's important to point out why they differ because it can influence your agent selection.

Exclusive Insurance Agencies

Exclusive agencies can only provide one company's prices and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

Independent Agents (or Brokers)

These type of agents are not employed by one company so they can insure your vehicles through lots of different companies and get the cheapest rates. If they find a lower price, an independent agent can move your coverage and you don't have to switch agencies.

When comparing insurance prices, it's a good idea to get quotes from at a minimum one independent agency so that you can do a thorough price comparison.

More comparisons equals cheap rates

We just covered quite a bit of information on how to find cheaper coverage online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These companies may only write in your state and offer lower prices compared to the large companies like State Farm and Allstate.

Cheaper auto insurance in Statesboro is possible both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don't offer price quotes online and usually these smaller companies only sell coverage through independent insurance agencies.

To read more, link through to these articles: