Are you sick of overpaying and want more affordable insurance rates in Canton, GA? Canton shoppers have many options when shopping for the best price on car insurance. They can either spend hours driving around getting price quotes or utilize the internet to get rate quotes.

There are more efficient ways to buy insurance and we'll show you the absolute fastest way to quote coverages for a and obtain the lowest price from both online companies and Canton agents.

Our objective in writing this article is to familiarize you with how insurance works and some tricks to saving. If you are paying for car insurance now, you will definitely be able to find better prices using the concepts covered in this article. Shoppers just need to use the least time-consuming way to compare price quotes from many companies at once.

All major car insurance companies provide prices for coverage online. Comparing prices online can be done by anyone because you just enter the coverage amounts you desire into the form. After the form is submitted, the company's rating system will obtain your credit score and driving record and provides a quote.

The ability to get online rates makes comparing rates easy, and it is important to get many rate quotes if you are searching for the best car insurance rates.

In order to find out how much you can save on car insurance, compare rates now from the companies shown below. If you have a policy now, it's recommended that you enter the coverages as close as possible to your current policy. This guarantees you are getting rate comparison quotes for exact coverage.

The providers in the list below offer free rate quotes in Canton, GA. If the list has multiple companies, we recommend you compare several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Canton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,034 $517 $86
Chevrolet Silverado LTZ Crew Cab 2WD $1,594 $797 $133
Dodge Ram Crew Cab SLT 2WD $1,180 $590 $98
Ford Escape XLT 4WD $898 $449 $75
Ford F-150 XLT Crew Cab 2WD $886 $443 $74
Ford Focus S 4-Dr Sedan $896 $448 $75
Honda Accord EX 2-Dr Coupe $1,566 $783 $131
Honda CR-V LX 2WD $1,294 $647 $108
Honda Civic DX 4-Dr Sedan $1,300 $650 $108
Honda Odyssey EX-L $1,236 $618 $103
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,152 $576 $96
Nissan Altima 2.5 S 4-Dr Sedan $1,432 $716 $119
Nissan Rogue SL 2WD $1,328 $664 $111
Toyota Camry Hybrid $1,256 $628 $105
Toyota Corolla XLE $1,250 $625 $104
Toyota Prius $988 $494 $82
Toyota Tacoma X-Runner 2WD $1,292 $646 $108
Get Your Own Custom Quote Go

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle location which can influence rates significantly.

Auto insurance rates are higher with tickets and accidents

The illustration below shows how violations and at-fault fender-benders can raise Ford F-150 auto insurance rates for different age groups of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Hyundai Elantra insurance rates when comparing full coverage to state minimum liability only. The information is based on no claims or violations, $250 deductibles, single male driver, and no policy discounts are applied.

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

When to switch to liability coverage only

There is no written rule to stop buying full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Hyundai Elantra book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If you are paying over $800 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Canton, insuring your vehicle is required by state law in Georgia and it also provides benefits you may not be aware of.

First, most states have mandatory insurance requirements which means you are required to carry a specific level of liability if you want to drive legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a loan, almost every bank will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your vehicle at a much higher rate and require you to pay much more than you were paying before.

Third, car insurance preserves your vehicle and your assets. It will also cover medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. Today the average American driver is currently overpaying as much as $869 every year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.

Cheaper rates with these nine discounts

Some insurance providers don't always publicize their entire list of discounts in an easy-to-find place, so below is a list both the well known and also the lesser-known car insurance savings. If you check and find you aren't receiving every discount you deserve, you could be saving more on your car insurance.Discount car insurance

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it just doesn't work that way. But all discounts will lower your premiums.

Popular car insurance companies and their possible discounts can be read below.

If you need cheaper Canton car insurance quotes, ask each company which discounts you qualify for. A few discounts may not be offered in Canton. To see insurance companies that have a full spectrum of discounts in Georgia, click here.

Insurance coverage considerations

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage covers damage to your vehicle from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Vehicles with the Lowest and Highest Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra BMW 6 Series
Ford Edge Maserati Ghibli
Smart ForTwo Audi RS7
Mini Cooper Ferrari 458
Jeep Wrangler Bentley Continental Flying Spur
Ford F-250 SuperCab Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase as high a limit as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but drivers should carry higher limits.

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Impala
Acura MDX Hyndai Accent
Fiat 500 Chevrolet Cruze
Subaru Forester Chevrolet Sonic
Audi A6 Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

UM/UIM Coverage

This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.

Due to the fact that many Georgia drivers have only the minimum liability required by law (which is 25/50/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for surgery, rehabilitation expenses and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Medical Payment Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Kia Forte
Audi A4 Allroad Chevrolet Spark
Ford F-350 SuperCrew Nissan Sentra
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 3500 Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, damage from flooding and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Maserati Quattroporte
Ford F-350 Audi S7
Infiniti QX50 BMW M6
Chevy Spark Porsche Panamera GTS
Nissan Xterra Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage only to find out they didn't have enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Some insurance companies don't offer rate quotes online and these smaller providers only sell through local independent agencies. Cheap auto insurance in Canton can be found both online and from local insurance agents, and you should compare rates from both to have the best rate selection.

Consumers leave their current company for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, extreme rates for teen drivers or even lack of trust in their agent. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

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