Are you searching for the cheapest car insurance rates in Sugar Hill, GA? Having to pay for expensive car insurance in Sugar Hill can dry up your checking account and make it impossible to make ends meet. Comparing cost estimates is a smart way to make sure you're not throwing money away.

Unimaginable but true, most car insurance buyers have been with the same company for four years or more, and just under half have never even compared quotes to find affordable rates. Georgia drivers can cut their rates by nearly $959 a year, but they think it's difficult to compare rates.

Many insurers compete for your business, so it can be very hard to choose a insurance company to get the best rate on car insurance.

These discounts can reduce insurance rates

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be asked about in order for you to get them.Cheaper insurance with discounts

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, company stockholders wouldn't be very happy. But all discounts should help reduce your policy cost.

A list of insurance companies and the discounts they provide include:

If you want low cost Sugar Hill car insurance quotes, ask all the companies how you can save money. Some discounts listed above might not be available to policyholders in every state. If you would like to see a list of insurance companies that offer some of these discounts in Georgia, click this link.

There are several ways to compare rate quotes from local Sugar Hill auto insurance companies. The easiest way to compare rates is to jump online and get quotes.

It's so fast and easy to compare quotes online that it replaces the need to physically go to different Sugar Hill agent offices. Quoting auto insurance online eliminates the middleman unless you have a complicated situation and need the professional guidance that only a licensed agent can provide. You can, however, comparison shop online and have a local Sugar Hill agent actually service the policy. When comparing auto insurance rates, know that obtaining a wide range of quotes increases your odds of finding better pricing.

The companies shown below can provide price quotes in Sugar Hill, GA. If more than one company is shown, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Sugar Hill
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,342 $671 $112
Chevrolet Malibu LTZ $1,708 $854 $142
Chevrolet Silverado LS Extended Cab 4WD $1,156 $578 $96
Dodge Ram Crew Cab Sport 2WD $1,758 $879 $147
Ford Escape XLS 4WD $878 $439 $73
Ford Explorer Limited 4WD $1,604 $802 $134
Ford F-150 XLT Regular Cab 2WD $1,230 $615 $103
Ford Focus SEL 4-Dr Sedan $1,116 $558 $93
Ford Fusion Sport 4-Dr Sedan $1,484 $742 $124
Honda Accord EX-L 4-Dr Sedan $1,132 $566 $94
Honda CR-V EX-L 4WD $1,022 $511 $85
Honda Civic LX 2-Dr Coupe $1,618 $809 $135
Hyundai Elantra GLS 4-Dr Sedan $1,468 $734 $122
Nissan Altima 3.5 SR 2-Dr Coupe $1,244 $622 $104
Toyota Camry LE $1,364 $682 $114
Toyota Corolla LE $1,468 $734 $122
Toyota Prius $1,158 $579 $97
Toyota RAV4 Limited 4WD $1,058 $529 $88
Volkswagen Jetta 2.0T 4-Dr Sedan $1,470 $735 $123
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in vehicle garaging location which can impact insurance rates significantly.

An analysis of deductible level

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The figures shown below may aid in understanding the premium difference between low and high coverage deductibles. The first data table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

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

Hyundai Sonata insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $304 $512 $444 $26 $134 $1,445 $120
Sonata GLS 4-Dr Sedan $304 $512 $444 $26 $134 $1,445 $120
Sonata GLS 4-Dr Sedan $304 $512 $444 $26 $134 $1,445 $120
Sonata SE 4-Dr Sedan $304 $604 $444 $26 $134 $1,537 $128
Sonata SE 4-Dr Sedan $304 $604 $444 $26 $134 $1,537 $128
Sonata Limited 4-Dr Sedan $344 $604 $444 $26 $134 $1,577 $131
Sonata Limited 4-Dr Sedan $344 $604 $444 $26 $134 $1,577 $131
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Hyundai Sonata insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata SE 4-Dr Sedan $248 $486 $444 $26 $134 $1,338 $112
Sonata SE 4-Dr Sedan $248 $486 $444 $26 $134 $1,338 $112
Sonata Limited 4-Dr Sedan $278 $486 $444 $26 $134 $1,368 $114
Sonata Limited 4-Dr Sedan $278 $486 $444 $26 $134 $1,368 $114
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific zip code location which can revise price quotes greatly.

Based on the data above, we can derive that using a $250 deductible will cost you about $15 more each month or $180 for a full year than selecting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 17 months between claims, you would probably be better off if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): - $110
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important sidenote is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you file a claim. You must have enough extra money in the event you need to pay the higher deductible in order to repair your vehicle.

Good decisions result in lower prices

Lots of factors are part of the equation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are more transparent such as your marital status or how safe your car is.

Listed below are some of the major factors used by your company to calculate prices.

Guys are more aggressive - Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men are responsible for accidents in similar numbers, but guys cause more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Teenage male drivers generally have the highest accident percentage and therefore have the most expensive car insurance rates.

Get a ticket, pay higher premiums - Whether or not you get tickets has a lot to do with how much you pay for insurance. Having a single driving citation can bump up the cost by as much as thirty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have multiple tickets like DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

Save money by raising deductibles - Your deductibles are the amount of money the insured will be required to pay if a claim is determined to be covered. Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for car insurance.

Low mileage costs less - The more you drive your car in a year's time the more you'll pay to insure it. Almost all companies charge to insure your cars partially by how you use the vehicle. Cars and trucks that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your vehicle rating reflects the correct usage for each vehicle, because improper ratings can cost you money.

Never let your car insurance policy lapse - Allowing your car insurance policy to lapse can be a fast way to bump up your car insurance costs. And not only will your rates increase, being ticketed for driving with no insurance could result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Georgia department of motor vehicles.

City dwellers may pay more - Having an address in smaller towns and rural areas of the country is a positive aspect when it comes to car insurance. Residents of big cities have more auto accidents and more time behind the wheel. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.

Certain jobs pay higher prices - Did you know your career choice can influence rates? Occupations such as real estate brokers, police officers, and accountants are shown to have higher average rates in part from high stress levels and lots of time spent at work. On the other hand, careers such as actors, athletes and performers pay lower than average rates.

Bundle policies to earn discounts - Lots of companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's always a smart idea to shop around to guarantee you are still saving the most. Drivers may still save more without the discount by buying from different companies

When should I get advice from a local insurance agent?

A small number of people just want to visit with an insurance agent and that is not a bad decision The best thing about getting free rate quotes online is the fact that drivers can get cheap car insurance quotes but also keep your business local.

Insurance agents in Sugar HillAfter filling out this form (opens in new window), the quote information is immediately sent to participating agents in Sugar Hill who will return price quotes for your insurance coverage. You never need to find an agent on your own due to the fact that quote results will go to you. You can most likely find cheaper rates and a licensed agent to work with. In the event you want to compare rates from a specific car insurance provider, feel free to find their quoting web page and fill out their quote form.

Choosing the best insurance company shouldn't rely on just the premium amount. The following questions are important to ask.

Choose an insurance agent wisely

If you are wanting to purchase car insurance from local Sugar Hill agents, you need to know there are two different agency structures and how they are distinctly different. Car insurance policy providers are categorized either independent agents or exclusive agents.

Exclusive Agencies

Agents in the exclusive channel write business for a single company such as Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agencies are well trained on what they offer which helps them compete with independent agents.

Independent Agencies or Brokers

Agents of this type often have many company appointments so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, an independent agent can move your coverage which requires no work on your part.

When comparing rates, you will want to get some free quotes from a couple of independent agencies to get the best comparison.

After getting acceptable answers to all your questions as well as an affordable premium quote, it's possible that you found an auto insurance agent that is reputable and can service your policy. Just keep in mind once you purchase a policy you can terminate your policy whenever you wish so don't feel you're contractually obligated to a specific company for a certain time period.

Best reasons to buy car insurance in Georgia

Despite the fact that car insurance is not cheap in Sugar Hill, paying for car insurance serves a purpose in several ways.

The benefits of insuring your car are definitely more than the cost, especially when you need to use it. Unknowingly, the average driver overpays more than $820 a year so it's important to compare rates once a year at a minimum to help ensure money is not being wasted.

Auto insurance claim information

Which vehicles statistically have the most claims? The following statistics list the highest and lowest vehicle models for likelihood of having to file claims.

Auto Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Chrysler 200
Subaru Forester Kia Optima
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Kia Rio
Volvo XC60 Hyndai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Audi RS7
Mini Cooper Ferrari 458
Nissan Xterra Bently Continental GT
Ford F-250 SuperCab BMW 6 Series
GMC Canyon Maserati Ghibli
Jeep Wrangler BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Dodge Charger
Ford F-350 SuperCrew Hyundai Accent
Ford Expedition Kia Forte
Ford F-250 SuperCrew Chevrolet Spark
Tesla Model S Mitsubishi Mirage
Audi A4 Allroad Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Smart ForTwo Porsche Panamera GTS
Nissan Leaf Mercedes-Benz S Class
Volvo V60 Maserati Granturismo
Ford F-350 Audi S7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Cheap coverage is out there

When getting Sugar Hill car insurance quotes online, do not buy poor coverage just to save money. Too many times, drivers have reduced liability limits or collision coverage only to discover later that it was a big error on their part. The goal is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Cost effective auto insurance is available online and from local agencies, and you need to comparison shop both to have the best selection. A few companies may not offer price quotes online and most of the time these smaller providers only sell through independent insurance agents.

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