How many times have you put off comparing quotes for more affordable car insurance rates in Americus, GA? No car owner loves paying for car insurance, especially when they know they are paying too much.

Sad but true, the vast majority of Georgia car insurance customers have bought car insurance from the same company for a minimum of four years, and virtually 40% of consumers have never compared rates with other companies. With the average car insurance premium being $1,847, American drivers could pocket roughly $859 a year by just comparing quotes, but they underestimate the amount of savings they would get if they just switched companies. Having so many online and local companies to choose from, it is hard for the average consumer to choose the lowest price company.

It is always a good idea to do rate comparisons periodically because prices are usually higher with each renewal. Even if you think you had the best price on car insurance at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you're about to find out the only way to find great coverage at a great price.

Getting a cheaper price on insurance is actually easier than you may think. All you need to do is take time to compare rate quotes from online providers.

Doing price comparisons online is so simple that it takes the place of having to go to local Americus insurance agencies. Doing it all online has reduced the need for local agents unless you want the extra assistance of a local Americus agent. If you prefer, some companies allow you to price shop your coverage online but still have the advice of a local Americus agent.

The companies shown below are ready to provide price quotes in Georgia. If more than one company is shown, it's a good idea that you visit several of them to get the most affordable price.

Insurance Estimates for Popular Vehicles in Americus
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $976 $488 $81
Chevrolet Impala LT $1,534 $767 $128
Chevrolet Silverado LTZ Extended Cab 4WD $1,158 $579 $97
Dodge Ram Crew Cab TRX 2WD $1,258 $629 $105
Ford Escape Limited 2WD $1,010 $505 $84
Ford F-150 Lariat Super Cab 4WD $1,354 $677 $113
Ford Focus SE 4-Dr Sedan $1,368 $684 $114
Ford Fusion SE 4-Dr Sedan $1,844 $922 $154
Honda Accord LX 4-Dr Sedan $1,014 $507 $85
Honda CR-V LX 4WD $1,176 $588 $98
Honda Civic GX 4-Dr Sedan $1,032 $516 $86
Hyundai Sonata Limited 4-Dr Sedan $1,362 $681 $114
Nissan Altima 3.5 SR 2-Dr Coupe $1,424 $712 $119
Toyota Camry LE $1,300 $650 $108
Toyota Corolla XLE $1,224 $612 $102
Toyota Prius $956 $478 $80
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in specific zip code location which can change premiums noticeably.

Comparison of car insurance rates by gender

The information below shows the comparison of premium costs for male and female drivers in Americus. The price estimates are based on no violations or claims, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied on a Hyundai Sonata SE.

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

Full coverage rates compared to liability only

The example below illustrates the comparison of Nissan Altima insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, married male driver, and no other discounts are factored in.

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

Should you pay for full coverage?

There is no specific rule that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Nissan Altima settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If you are paying over $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

There's no such thing as the perfect insurance policy

Keep in mind that when it comes to choosing coverage for your vehicles, there really isn't a one size fits all plan. You are unique.Higher deductibles save money

Here are some questions about coverages that can aid in determining whether you might need an agent's assistance.

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.

Car insurance claims by make and model

Which vehicle models have severe claims? The statistics tables below show the worst and best manufacturer models for the probability of having claims orgainized by coverage.

Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab BMW M6
Chevrolet Colorado Ferrari 458
Smart ForTwo BMW 6 Series
GMC Canyon Bently Continental GT
Nissan Xterra Audi RS7
Mini Cooper Bentley Continental Flying Spur

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

Lowest and Highest Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Dodge Charger
Mercedes-Benz SL Class Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer
Fiat 500 Hyndai Accent
Volvo XC60 Kia Optima
Subaru Outback Chevrolet Impala

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

Vehicle Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Nissan Versa
Ford F-350 SuperCrew Hyundai Accent
Ford F-250 SuperCrew Nissan Sentra
Tesla Model S Chevrolet Spark
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 2500 Chrysler 200

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

Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevy Spark Bentley Continental GT
Nissan Leaf Mercedes-Benz S Class
Nissan Xterra BMW M6
Smart ForTwo Maserati Quattroporte
Volvo V60 Bentley Continental GTC
GMC Sierra 2500 Audi S7

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