Do you want to save money by finding lower-priced car insurance rates in Columbus, GA? Having to pay for high-priced car insurance in Columbus can sap your budget and require stricter spending habits.
It's hard to fathom, but most car insurance customers have been with the same company for four years or more, and nearly the majority have never compared rates with other companies. With the average car insurance premium being $1,722, Georgia drivers could save themselves as much as $960 a year by just shopping around, but most tend to underestimate the large savings they would see if they replace their high priced policy.
There is such a variety of insurers to choose from, and although it's a good thing to have multiple companies, so many choices can make it hard to compare company pricing.
You should take the time to compare rates before your policy renews due to the fact that insurance prices change quite often. If you had the best rates on car insurance at your last renewal you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because it's time to teach you how to use online quotes to reduce your cost while increasing coverage.
Companies offering cheap rate quotes in Columbus, GA
The companies shown below provide price quotes in Georgia. If multiple companies are listed, we suggest you visit several of them in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 4WD||$1,032||$516||$86|
|Chevrolet Silverado LT Regular Cab||$1,398||$699||$117|
|Dodge Ram Crew Cab Laramie 4WD||$1,314||$657||$110|
|Ford Escape Limited 2WD||$906||$453||$76|
|Ford F-150 XL Crew Cab 2WD||$1,428||$714||$119|
|Ford Focus SES 4-Dr Sedan||$964||$482||$80|
|GMC Sierra SLT Extended Cab 2WD||$1,120||$560||$93|
|Honda Accord LX-S 2-Dr Coupe||$1,028||$514||$86|
|Honda CR-V EX-L 2WD||$1,212||$606||$101|
|Honda Civic EX 2-Dr Coupe||$1,716||$858||$143|
|Hyundai Sonata SE 4-Dr Sedan||$1,236||$618||$103|
|Jeep Grand Cherokee Laredo 2WD||$1,178||$589||$98|
|Kia Optima LX||$1,176||$588||$98|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,876||$938||$156|
|Toyota Camry XLE||$962||$481||$80|
|Toyota Corolla S||$1,266||$633||$106|
|Toyota RAV4 Limited 4WD||$1,566||$783||$131|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,480||$740||$123|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific location information which can affect insurance rates considerably.
Impact of careless driving on auto insurance rates
The illustration below shows how traffic citations and accidents raise GMC Acadia premium costs for different categories of driver ages. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
You may qualify for discounts
Companies offering auto insurance don't list all available discounts very well, so the next list breaks down a few of the more common as well as the least known credits available to lower your premiums when you buy Columbus car insurance online.
- Government Employee Discount - Having worked for a branch of the government can earn a discount up to 10% with some car insurance companies.
- Accident Free - Drivers with accident-free driving histories pay much less compared to policyholders that have many claims.
- Drivers Ed for Students - Cut your cost by having your teen driver participate in a local driver's education class as it will make them better drivers and lower rates.
- Telematics Devices - Policyholders that allow their car insurance company to study their driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
- New Car Discount - Insuring a new car can be considerably cheaper compared to insuring an older model.
Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So even though you would think you could get a free car insurance policy, car insurance companies aren't that generous.
If you would like to see a list of companies offering car insurance discounts in Columbus, click here.
Why your rate might be higher
Many factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving history, but other criteria are more transparent like your continuous coverage or how financially stable you are.
Listed below are a few of the "ingredients" utilized by car insurance companies to help set your rates.
Your occupation can affect premiums - Careers such as lawyers, airline pilots, and emergency personnel tend to have higher premiums than the average policyholder attributed to high stress and long work hours. On the flip side, careers such as farmers, engineers and retirees have the lowest average rates.
Qualify for multi-policy discounts - Many companies allow better rates to customers that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, it's in your best interest to shop around to help ensure you have the lowest rates. It's possible to still save even more than the discount by splitting coverages up.
An active claims history can cost you more - Companies in Georgia generally give the lowest premiums to people who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for claims that pose a financial burden.
Credit score impacts premium costs - Having a bad credit score is a large factor in calculating your insurance rates. If your credit can be improved, you could be paying less to insure your vehicle by taking the time to improve your credit score. People that have excellent credit scores tend to file fewer claims and have better driving records than drivers with bad credit.
Your car insurance coverage should be tailored to you
When selecting coverage online or from an agent for your personal vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's.
For instance, these questions may help highlight whether or not you might need professional guidance.
- When should I remove comp and collision on my vehicle?
- Does coverage extend to a rental car in a foreign country?
- Does rental coverage apply when I am renting a car?
- Should I pay a claim out-of-pocket?
- Do I have newly-acquired coverage?
- How high should deductibles be on a vehicle?
If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, simply complete this short form.
Buying from insurance agencies
A lot of people prefer to visit with an insurance agent and that can be a smart move A good thing about comparing car insurance online is that drivers can save money and get cheap car insurance quotes and still choose a local agent. Buying from local insurance agents is important especially in Columbus.
By using this simple form, your coverage information is emailed to insurance agents in Columbus that can give you free Columbus car insurance quotes and help you find cheaper coverage. There is no reason to find an agent on your own since rate quotes are delivered instantly to you. You can find the lowest rates AND an agent nearby. If you wish to get a price quote for a specific company, feel free to jump over to their website and give them your coverage information.
Is an exclusive or independent auto insurance agent right for you?
When searching for a local Columbus insurance agency, it's important to understand the different types of agencies and how they differ in how they quote coverages. Columbus agents can either be independent (non-exclusive) or exclusive.
Agents that choose to be independent do not write with just one company so they have the ability to put coverage through lots of different companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company and you can keep the same agent.
If you are comparing rate quotes, you definitely need to compare quotes from several independent insurance agents to get the most accurate price comparison.
Shown below is a list of independent agencies in Columbus who may be able to give you free car insurance quotes.
Agents that choose to be exclusive can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. They are unable to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on sales techniques which aids in selling service over price.
Shown below are Columbus exclusive insurance agents that can give you price quote information.
Choosing an insurance agent should depend on more than just the premium amount. Some important questions to ask are:
- Are you getting all the discounts the company offers?
- Are they properly licensed to sell insurance in Georgia?
- When do they do a full risk review?
- Is working in the agency their full-time job?
- Do the agents have professional certifications like CPCU or CIC?
- Is the agency active in community causes in Columbus?
Quote more and you will save more
Cheaper auto insurance in Columbus is attainable from both online companies and from local insurance agents, so you need to quote Columbus car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and many times these small insurance companies provide coverage only through independent insurance agencies.
We just covered a lot of techniques to reduce auto insurance premium rates online in Columbus. The key thing to remember is the more you quote Columbus car insurance, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from the smaller companies.
Drivers switch companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, an unsatisfactory settlement offer or denial of a claim. It doesn't matter why you want to switch finding a new auto insurance company is not as hard as you think.
- Smart Auto Insurance Tips (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)
- Auto Insurance Basics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)