Looking for more affordable car insurance rates in Brunswick, GA? Do you think you bought high-priced car insurance? It's a common feeling and many consumers are feeling buyer's remorse and feel like there's no way out.

Sad but true, over 70% of consumers have bought car insurance from the same company for four years or more, and practically 40% of car insurance customers have never shopped around. Many consumers in Georgia can save as much as 60% each year, but they just don't understand the amount of money they would save if they switched to a more affordable policy.

You have so many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it makes it harder to find a good deal.

Finding the cheapest insurance coverage in Brunswick is actually quite easy if you know where to start. Virtually anyone who shops around for insurance will probably get better rates. But Georgia consumers can benefit by having an understanding of how the larger insurance companies set your policy premium because rates fluctuate considerably.

Auto insurance companies in Brunswick

The auto insurance companies shown below can provide free rate quotes in Georgia. If several companies are displayed, it's highly recommended you compare several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Brunswick
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,190 $595 $99
Chevrolet Silverado LTZ Extended Cab 4WD $1,330 $665 $111
Dodge Ram Crew Cab Laramie 4WD $1,680 $840 $140
Ford Edge SE 2WD $962 $481 $80
Ford Escape XLT 4WD $1,358 $679 $113
Ford Explorer XLT 4WD $1,428 $714 $119
Ford F-150 FX4 Super Cab 4WD $1,430 $715 $119
Ford Focus SE 4-Dr Sedan $1,176 $588 $98
Ford Fusion Sport 4-Dr Sedan $1,146 $573 $96
GMC Sierra SLT Crew Cab 2WD $1,124 $562 $94
Honda Accord LX-S 2-Dr Coupe $1,394 $697 $116
Honda CR-V EX-L 4WD $1,038 $519 $87
Honda Civic EX 2-Dr Coupe $1,496 $748 $125
Jeep Grand Cherokee Limited 2WD $1,124 $562 $94
Mazda 3 S Grand Touring 4-Dr Hatchback $1,844 $922 $154
Nissan Altima 2.5 S 4-Dr Sedan $1,292 $646 $108
Toyota Camry Hybrid $1,196 $598 $100
Toyota Corolla XRS $1,420 $710 $118
Toyota RAV4 2WD $1,326 $663 $111
Toyota Tacoma 4WD $1,256 $628 $105
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific Brunswick garaging location which can raise or lower premiums significantly.

Physical damage deductibles

When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates below may help to illustrate the premium difference between high and low policy deductibles. The first set of prices uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

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

Hyundai Elantra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $264 $420 $334 $20 $100 $1,163 $97
Elantra Blue 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Elantra GLS 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Elantra SE 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Elantra SE Touring Station Wagon $304 $512 $334 $20 $100 $1,295 $108
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Hyundai Elantra insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $216 $340 $334 $20 $100 $1,010 $84
Elantra Blue 4-Dr Sedan $216 $486 $394 $24 $118 $1,238 $103
Elantra GLS 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Elantra SE 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Elantra SE Touring Station Wagon $248 $414 $334 $20 $100 $1,116 $93
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can revise price quotes significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $16 more each month or $192 each year than selecting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 16 months between claim filings, you would save more money by selecting a higher deductible. The illustration below shows a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $114
Average monthly premium for $500 deductibles (subtract): - $98
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. That will force you to have some savings in the bank in the event you need to pay the deductible to have repairs made.

Accidents and violations increase rates

The chart below illustrates how violations and accident claims increase Dodge Ram insurance premiums for different ages of insureds. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

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

Policy deductibles

The information below demonstrates how deductibles and can change Dodge Ram insurance costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are applied.

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

Save money by taking advantage of discounts

Not too many consumers would say car insurance is affordable, but companies offer discounts that you may not even be aware of. Most are applied at quote time, but some may not be applied and must be requested specifically before you will receive the discount.Cheaper car insurance with discounts

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, insurance companies wouldn't stay in business.

A few companies who might offer most of the discounts above possibly include:

Check with every prospective company what discounts are available to you. Some discounts listed above might not be offered on policies in Brunswick.

Insurance agents near you

A lot of people still like to sit down with an agent and that is not a bad decision A nice benefit of comparing rates online is that you can find the lowest rates and still have an agent to talk to.

After completing this form (opens in new window), your insurance coverage information gets sent to participating agents in Brunswick who will return price quotes for your insurance coverage. You never need to find an agent on your own because prices are sent to your email. It's the lowest rates without requiring a lot of work. If you need to get a comparison quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Deciding on an insurer shouldn't rely on just a cheap quote. Before buying a policy in Brunswick, get answers to these questions.

What types of auto insurance agents are in Brunswick?

If you are searching for a reliable insurance agency, there are a couple of types of insurance agents and how they function. Car insurance agents can either be independent or exclusive.

Exclusive Agents

Agents of this type can only place business with one company like AAA, Allstate, and State Farm. They usually cannot compare other company's rates so they have no alternatives for high prices. Exclusive insurance agents are well trained on what they offer which can be an advantage.

Independent Agents (or Brokers)

Independent insurance agents are normally appointed by many insurers so they can write business with multiple insurance companies and find you the best rates. To move your coverage to a new company, they can switch companies in-house which is easy for the insured. When comparison shopping, you should always get several quotes from at least one independent agent to have the best price comparison.

Find cheaper insurance rates by comparing often

When shopping online for insurance, it's very important that you do not buy poor coverage just to save money. There are many occasions where an insured cut full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

We've covered some good ideas how you can get a better price on insurance in Brunswick. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

More affordable insurance in Brunswick is possible on the web as well as from independent agents in Brunswick, so you should compare both to have the best chance of lowering rates. A few companies may not offer online quoting and usually these smaller companies provide coverage only through independent insurance agencies.

To learn more, take a look at the resources below: