Want lower-priced insurance rates in Stockbridge, GA? Being forced to pay for high-priced insurance premiums can eat up your monthly budget and possibly require you to analyze your spending habits. Price shopping at each renewal is a great way to ensure you are getting the best deal.

A recent survey discovered that 70% of consumers have been with the same company for over three years, and almost half have never compared rate quotes at all. Many consumers in America could save an average of 47% each year by just comparing rate quotes, but they just assume it's a time-consuming process to go online and compare rates.

Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to get the lowest rate on insurance.

Companies offering cheap price quotes in Georgia

The auto insurance companies shown below can provide comparison quotes in Stockbridge, GA. If the list has multiple companies, we suggest you compare several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Stockbridge
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,094 $547 $91
Chevrolet Silverado LT Crew Cab 4WD $1,424 $712 $119
Dodge Ram Quad Cab Laramie 2WD $1,982 $991 $165
Ford Escape Limited 2WD $1,042 $521 $87
Ford Explorer Eddie Bauer 4WD $1,224 $612 $102
Ford F-150 STX Regular Cab 4WD $1,252 $626 $104
Ford Focus S 4-Dr Sedan $1,176 $588 $98
Honda Accord LX-P 4-Dr Sedan $874 $437 $73
Honda CR-V EX 4WD $900 $450 $75
Honda Civic SI 4-Dr Sedan $1,504 $752 $125
Hyundai Elantra Blue 4-Dr Sedan $1,284 $642 $107
Kia Optima EX $1,362 $681 $114
Nissan Altima 2.5 S 4-Dr Sedan $1,266 $633 $106
Toyota Camry Hybrid $1,602 $801 $134
Toyota Corolla LE $1,458 $729 $122
Toyota Prius $1,006 $503 $84
Volkswagen Jetta SEL 4-Dr Sedan $1,322 $661 $110
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in Stockbridge location which can raise or lower premiums considerably.

Should you raise deductibles?

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The data tables below may help to conceptualize how much more you'll pay between low and high physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

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

Chevrolet Malibu insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $338 $612 $394 $24 $118 $1,511 $126
Malibu Hybrid $338 $612 $394 $24 $118 $1,511 $126
Malibu LT $382 $612 $394 $24 $118 $1,555 $130
Malibu LTZ $382 $720 $394 $24 $118 $1,663 $139
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Chevrolet Malibu insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $188 $322 $394 $24 $118 $1,046 $87
Malibu Hybrid $188 $322 $394 $24 $118 $1,046 $87
Malibu LT $212 $322 $394 $24 $118 $1,070 $89
Malibu LTZ $212 $380 $394 $24 $118 $1,128 $94
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can lower or raise rates substantially.

Based on the above data, using a $100 deductible costs an average of $41 more each month or $492 every year than buying the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 22 months between claim filings, you would most likely save money by going with a higher deductible.

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.

Physical damage deductibles

The example below illustrates how your choice of deductibles and can increase or decrease Dodge Ram premium costs for different insured age categories. The prices are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower rate quotes on auto insurance with these discounts

Companies offering auto insurance don't necessarily list all available discounts very clearly, so below is a list both well-publicized as well as some of the hidden savings tricks you should be using when you buy Stockbridge car insurance online.Discount auto insurance

Discounts save money, but please remember that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business. But any discount should help reduce your policy premiums.

The best auto insurance companies and a partial list of their discounts can be read below.

Check with each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in Stockbridge.

Get cheap premiums by understanding these factors

Many things are used when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are less obvious such as your credit history or your vehicle rating. Consumers need to have an understanding of the factors that aid in calculating the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make educated decisions that will entitle you to big savings.

Local Stockbridge car insurance agents and auto insurance

Certain consumers would prefer to visit with an insurance agent and that is OK! The biggest benefit of getting online price quotes is you can get better rates and still choose a local agent.

Find insurance agent in StockbridgeBy using this simple form, your insurance data is sent to participating agents in Stockbridge that provide free Stockbridge car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent as quotes are delivered to your email. You can find lower rates and a licensed agent to talk to. If you wish to get a rate quote from a specific auto insurance provider, you would need to navigate to their website to submit a rate quote request.

Finding a good company requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.

Stockbridge car insurance agents come in two flavors

If you are wanting to purchase auto insurance from a local Stockbridge insurance agency, there are two different types of agents from which to choose. Insurance agencies in Stockbridge can be classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide one company's prices like Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive insurance agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Independent Agents

Agents in the independent channel are not restricted to one company so they can quote policies with an assortment of companies and get the cheapest rates. If prices rise, your agent can just switch to a different company which requires no work on your part. When comparing auto insurance prices, we recommend you compare quotes from a few independent agents for maximum quote selection.

After getting acceptable answers to any questions you may have as well as inexpensive Stockbridge car insurance quotes, you've probably found a car insurance agent that is reliable enough to adequately provide auto insurance.

Auto insurance claim information

Are you driving a statistically high-claim vehicle? The following claim statistics outline the good and bad makes and models for the probability of filing claims organized by coverage.

Auto Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Maserati Ghibli
Ford F-250 SuperCab BMW M6
GMC Canyon Bently Continental GT
Chevrolet Colorado Audi RS7
Mini Cooper Maserati Granturismo
Ford Edge BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Chevrolet Sonic
Chevrolet Silverado 2500 Chrysler 200
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 3500 Nissan Sentra
Ford Expedition Chevrolet Spark
Tesla Model S Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Audi A6 Kia Rio
Subaru Outback Chevrolet Sonic
Volvo XC60 Kia Optima
Chevrolet Corvette Hyndai Accent
Subaru Forester Chevrolet Impala
Fiat 500 Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Bentley Continental GT
Nissan Xterra Maserati Quattroporte
Infiniti QX50 BMW M6
Chevy Spark Mercedes-Benz S Class

Statistics from IIHS.org for 2013-2015 Model Years

A little work can save a LOT of money

Cheap insurance in Stockbridge is possible both online and also from your neighborhood Stockbridge agents, so you need to shop Stockbridge car insurance with both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agencies.

We just covered a lot of tips how to shop for insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best car insurance rates are with some of the smallest insurance companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like GEICO and State Farm.

When getting Stockbridge car insurance quotes online, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and found out when filing a claim that the savings was not a smart move. The goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

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