Nobody likes paying for car insurance, especially when the price is too high.

Amazingly, most consumers in Georgia kept buying from the same company for at least four years, and just short of a majority have never compared car insurance rates at all. Many drivers in America could cut their rates by as much as 46.5% a year just by shopping around, but they just don't understand how much money they would save if they switch to a new company.

Since consumers have many companies to choose from , it is hard for the average consumer to choose the lowest price insurer.

When quoting car insurance, remember that comparing all the rates in your area gives you a better chance of getting better pricing.

The following companies offer free rate quotes in Georgia. If several companies are displayed, we recommend you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Macon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,178 $589 $98
Chevrolet Impala LT $1,018 $509 $85
Chevrolet Silverado LT Crew Cab 2WD $1,522 $761 $127
Dodge Grand Caravan Hero $1,504 $752 $125
Dodge Ram Crew Cab Sport 4WD $1,830 $915 $153
Ford Escape XLS 2WD $1,000 $500 $83
Ford F-150 Lariat Crew Cab 2WD $1,058 $529 $88
Ford Focus SES 2-Dr Coupe $1,758 $879 $147
GMC Sierra SL Crew Cab 4WD $1,630 $815 $136
Honda Accord LX 4-Dr Sedan $1,138 $569 $95
Honda CR-V LX 2WD $860 $430 $72
Honda Civic DX 2-Dr Coupe $1,416 $708 $118
Hyundai Elantra Blue 4-Dr Sedan $1,600 $800 $133
Hyundai Sonata SE 4-Dr Sedan $1,896 $948 $158
Nissan Altima 3.5 SR 4-Dr Sedan $1,630 $815 $136
Toyota Camry SE $1,444 $722 $120
Toyota Corolla XLE $1,384 $692 $115
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

Policy deductibles

One frequently asked question is where should you set your physical damage deductibles. The data tables below summarize the price difference between high and low policy deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $304 $512 $444 $26 $134 $1,445 $120
Optima EX $344 $604 $444 $26 $134 $1,577 $131
Optima SX $344 $604 $444 $26 $134 $1,577 $131
Get a Quote for Your Vehicle Go
Kia Optima insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $188 $322 $444 $26 $134 $1,114 $93
Optima EX $212 $380 $444 $26 $134 $1,196 $100
Optima SX $212 $380 $444 $26 $134 $1,196 $100
Get a Quote for Your Vehicle Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices significantly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $29 more each month or $348 a year than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 26 months between claims, you would probably be better off if you choose the higher deductible.

Analysis of deductible levels

The illustration below highlights how deductible choice and can influence Chevrolet Malibu insurance costs for different ages of insureds. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Verify you're getting every discount

Companies that sell car insurance don't necessarily list every discount in a way that's easy to find, so the list below contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy Macon car insurance online.Cheaper auto insurance with discounts

As is typical with insurance, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn't work that way.

The best auto insurance companies and their offered discounts are shown below.

Double check with every company what discounts are available to you. Some of the discounts discussed earlier may not be available in every state.

What impacts Macon auto insurance prices?

It's important that you understand some of the elements that aid in calculating the price you pay for insurance. If you have a feel for what influences your rates, this enables you to make decisions that may result in lower premium levels.

The following are some of the major factors used by companies to determine prices.

Married drivers pay lower prices - Having a significant other may earn you lower rates on insurance. Having a spouse may mean you are more financially stable and insurance companies like that drivers who are married file infrequent claims.

Pay less with a high crash test rating - Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.

More traffic means higher claims - Having an address in less populated areas of the country has definite advantages when trying to find low car insurance rates. Less people translates into fewer accidents in addition to lower liability claims City drivers tend to have traffic congestion and longer commute times. More time commuting statistically corresponds to a higher accident and claim rate.

Liability protection risk factors in - Your policy's liability coverage kicks in if ever a court rules you are at fault for an accident. Liability provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Teenagers are high risk - Drivers with little experience have a tendency to be inattentive when at the wheel of a vehicle so they pay higher insurance rates. Older insureds are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.

Know your credit rating - Your credit score can be a huge factor in your rate calculation. So if your credit history can use some improvement, you could be paying less to insure your vehicle by taking the time to improve your credit score. Drivers who have high credit ratings tend to be more responsible than drivers with lower credit scores.

Males tend to take more risk - Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn't prove that females are better at driving than males. Males and females cause auto accidents at about the same rate, but men cause more damage. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 have the highest risk to insure so they pay the highest premiums.

The more you drive the more you pay - The more you drive every year the more you'll pay to insure it. Many insurance companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that have high annual mileage. It's always a good idea to double check that your insurance declarations sheet states the right rating data.

Shop online but buy locally

Some people still prefer to buy from a local agent and doing so can bring peace of mind The best thing about getting online price quotes is you may find lower rates and still choose a local agent. Supporting local insurance agencies is still important in Macon.

For easy comparison, once you complete this quick form, your insurance data is instantly submitted to local insurance agents in Macon who can give free rate quotes and help you find cheaper coverage. There is no need to do any legwork as quotes are delivered immediately to your email address. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to compare prices from a specific company, don't hesitate to jump over to their website and submit a quote form there.

When researching a good insurance agency, you must know there are a couple different types of agents and how they differ in how they quote coverages. Insurance agents in Macon are classified as either exclusive or independent.

Independent Insurance Agencies

These agents are not employed by any specific company so they can write business with multiple insurance companies and find you the best rates. If you are not satisfied with one company, your policy is moved internally which is easy for the insured.

If you are comparing rate quotes, you need to compare prices from at least one independent agent in order to compare the most rates.

Exclusive Insurance Agents

These type of agents can only provide pricing for a single company like Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. They are usually quite knowledgeable on their company's products which helps them sell insurance even at higher premiums.

Picking the best insurance agency should depend on more than just a cheap quote. Here are some questions you should ask.

After you get positive feedback for all questions you ask as well as a affordable price, you've probably found an auto insurance agent that meets the criteria to properly insure your vehicles. Just understand that once you purchase a policy you can terminate coverage any time you want so never feel that you're stuck with any particular company for any length of time.

There's no such thing as the perfect car insurance policy

Always remember that when buying coverage for your personal vehicles, there isn't really a single plan that fits everyone. Each situation is unique.Safe vehicles cost less to insure

These are some specific questions may help highlight whether you may require specific advice.

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Best and worst vehicle claim statistics

Is your vehicle likely to have claims? The following statistics list the highest and lowest cars and trucks for likelihood of having claims orgainized by coverage.

Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Audi A6 Hyndai Accent
Fiat 500 Kia Rio
Subaru Outback Chevrolet Impala
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Forester Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Porsche Panamera GTS
Infiniti QX50 Audi S7
Chevy Spark BMW M6
Ford F-350 Mercedes-Benz S Class
Volvo V60 BMW M6
Chevy Silverado 2500 Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab Bently Continental GT
Ford Edge Audi RS7
Mini Cooper Ferrari 458
Jeep Wrangler Bentley Continental Flying Spur
Smart ForTwo Bently Continental GTC
GMC Canyon Maserati Ghibli

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Chevrolet Sonic
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent
Tesla Model S Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Be persistent to save money

Cheaper insurance in Macon is definitely available from both online companies in addition to many Macon insurance agents, so you need to quote Macon car insurance with both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and these regional insurance providers prefer to sell through local independent agents.

We just showed you quite a bit of information on how to reduce insurance car insurance rates online in Macon. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the lowest car insurance rates come from a small local company.

As you restructure your insurance plan, it's a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

For more information, feel free to browse these articles: