Are you sick of overpaying and want more affordable auto insurance rates in Griffin, GA? Have you finally had enough of scraping the payment together to pay high auto insurance rates every month? You have the same problem as many other Georgia drivers.

A recent survey discovered that the majority of drivers have stayed with the same insurance company for a minimum of four years, and practically 40% of auto insurance customers have never quoted rates to find affordable coverage. The average driver in Georgia could save $959 a year by just shopping around, but they underestimate the actual amount they would save if they switched to a more affordable policy. Since you have so many insurance providers from which to choose, it can be hard to pick the lowest cost company.

Smart consumers take time to check auto insurance prices at least once a year because rates tend to go up over time. If you had the best premium rates on auto insurance six months ago the chances are good that you can find a lower price today. You'll find quite a bit of inaccurate information about auto insurance out there, but in this article, you're going to get some solid techniques on how to put money back in your pocket.

Locating the best rates in Griffin is easy if you know what you're doing. If you are paying for car insurance now, you will surely be able to reduce the price you pay using these tips. Smart shoppers just have to understand the proper methods to shop their coverage around instantly.

The companies shown below have been selected to offer free quotes in Georgia. If multiple companies are listed, we recommend you visit two to three different companies in order to find the most affordable rates.

Insurance Rates for Popular Vehicles in Griffin
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,194 $597 $100
Chevrolet Impala LTZ $1,488 $744 $124
Chevrolet Silverado LT Extended Cab 2WD $1,176 $588 $98
Dodge Ram Crew Cab Laramie 4WD $1,504 $752 $125
Ford Edge Limited 2WD $1,300 $650 $108
Ford Escape Limited 4WD $1,072 $536 $89
Ford Explorer XLT 2WD $1,256 $628 $105
Ford F-150 Lariat Crew Cab 2WD $1,070 $535 $89
Ford Focus SEL 4-Dr Sedan $1,454 $727 $121
Honda Accord LX 4-Dr Sedan $1,050 $525 $88
Honda CR-V LX 4WD $1,176 $588 $98
Honda Civic EX-L 4-Dr Sedan $1,336 $668 $111
Hyundai Sonata GLS 4-Dr Sedan $1,100 $550 $92
Kia Optima SX $1,398 $699 $117
Nissan Altima 3.5 SR 4-Dr Sedan $1,178 $589 $98
Toyota Camry LE $1,364 $682 $114
Toyota Corolla XLE $1,638 $819 $137
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,402 $701 $117
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates considerably.

Safe drivers pay less for car insurance

The chart below illustrates how speeding tickets and at-fault claims can increase Ford Fusion insurance rates for different categories of driver ages. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The following tables sum up the premium difference when you choose different coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

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

Nissan Altima insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $304 $512 $394 $24 $118 $1,377 $115
Altima 2.5 S 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Altima Hybrid 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Altima 2.5 S 2-Dr Coupe $344 $604 $444 $26 $134 $1,577 $131
Altima 3.5 SR 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Altima 3.5 SR 2-Dr Coupe $344 $694 $444 $26 $134 $1,667 $139
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Nissan Altima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $248 $414 $394 $24 $118 $1,198 $100
Altima 2.5 S 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Altima Hybrid 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Altima 2.5 S 2-Dr Coupe $278 $486 $444 $26 $134 $1,368 $114
Altima 3.5 SR 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Altima 3.5 SR 2-Dr Coupe $278 $560 $444 $26 $134 $1,442 $120
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can decrease or increase price quotes significantly.

Based on the figures above, using a $250 deductible costs approximately $18 more each month or $216 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claim filings, you would save more money if you opt for a higher deductible.

Compare rate quotes but still have a neighborhood Griffin auto insurance agent

Some consumers just want to go talk to an agent and we recommend doing that Most agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of getting online price quotes is that you can find lower rates and still choose a local agent.

Find insurance agent in GriffinFor easy comparison, once you complete this simple form, your information gets sent to agents in your area who will give you bids for your insurance coverage. You won't even need to find an agent on your own since price quotes are sent straight to your inbox. If you have a need to get a rate quote for a specific company, you just need to jump over to their website and fill out their quote form.

Finding the right company shouldn't rely on just a low price. These are some valid questions you should ask.

If you want to use a local agent, it can be helpful to understand the different types of agents to choose from. Agents in Griffin are considered either exclusive agents or independent agents. Either can sell insurance policies, but it's worth learning how they differ because it can influence your agent selection.

Exclusive Insurance Agencies

Agents of this type normally can only provide a single company's rates such as Allstate, State Farm and Farm Bureau. They generally cannot give you multiple price quotes so it's a take it or leave it situation. Exclusive agents are highly trained on what they offer and that enables them to sell even at higher rates.

Independent Insurance Agents

Independent insurance agents are not employed by one company so they can write business with multiple insurance companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier and that require little work on your part.

If you are comparing insurance prices, you should always compare prices from at a minimum one independent agency to maximize your price options.

Best and worst vehicle claim statistics

Which vehicle models have severe claims? The claim statistics below show the highest and lowest cars and trucks for overall likelihood of having large claims for each type of coverage listed.

Vehicle Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Impala
Chevrolet Corvette Dodge Charger
Subaru Forester Mitsubishi Mirage
Subaru Outback Kia Optima
Fiat 500 Mitsubishi Lancer
Audi A6 Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Chevrolet Sonic
Land Rover Range Rover Sport Chrysler 200
Ford Expedition Nissan Versa
Tesla Model S Chevrolet Spark
Ford F-250 SuperCrew Hyundai Accent
Audi A4 Allroad Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Mini Cooper Ferrari 458
Smart ForTwo Maserati Ghibli
Nissan Xterra Audi RS7
GMC Canyon Nissan GT-R
Chevrolet Colorado Bently Continental GTC
Ford F-150 SuperCrew BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Comprehensive Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 BMW M6
Volvo V60 Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo
Ford F-350 Audi S7
Nissan Xterra Bentley Continental GTC
Chevy Spark Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years