Would you like to stop overpaying and find the cheapest insurance rates in Thomasville, GA? Being forced to pay for overpriced insurance premiums can dwindle your monthly budget and possibly require postponing other expenditures.

Astonishing but true, about 70% of customers kept buying from the same company for more than four years, and 38% of customers have never compared rate quotes at all. Consumers in Thomasville could save nearly $960 every year, but most tend to underestimate the amount of money they would save if they switched to a more affordable policy. Because there are so many choices, it can be impossible to find a lower cost insurance company.

Finding the lowest cost coverage in Thomasville is quite easy. If you're already insured or just want cheaper coverage, you can use these techniques to buy cheaper car insurance without sacrificing coverage. Smart shoppers just have to know the least time-consuming way to compare rates instantly.

Take policy discounts and save on insurance

Insuring your fleet can be pricey, but there could be significant discounts to reduce the price significantly. A few discounts will be applied at quote time, but some need to be specifically requested prior to receiving the credit.Cheaper insurance with discounts

While discounts sound great, it's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy. Any amount of discount will help reduce the amount you have to pay.

Larger insurance companies and some of the discounts are:

When getting a coverage quote, ask every company which discounts they offer. Savings may not apply in Thomasville. To find providers that offer some of these discounts in Thomasville, click here.

The companies in the list below are our best choices to provide quotes in Georgia. If the list has multiple companies, it's a good idea that you visit several of them to get the most affordable price.

Insurance Costs for Popular Vehicles in Thomasville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,094 $547 $91
Chevrolet Equinox LS AWD $1,352 $676 $113
Chevrolet Silverado LT Crew Cab 4WD $1,450 $725 $121
Dodge Ram Crew Cab Laramie 4WD $1,112 $556 $93
Ford Escape XLT 4WD $1,188 $594 $99
Ford Explorer XLT AWD $1,110 $555 $93
Ford F-150 Lariat Crew Cab Platinum 2WD $1,146 $573 $96
Ford Focus SEL 4-Dr Sedan $1,404 $702 $117
Honda Accord EX 4-Dr Sedan $860 $430 $72
Honda CR-V EX-L 2WD $1,182 $591 $99
Honda Civic EX 4-Dr Sedan $1,382 $691 $115
Honda Odyssey EX-L W/Rear Entertainment $1,444 $722 $120
Hyundai Elantra SE 4-Dr Sedan $1,224 $612 $102
Jeep Grand Cherokee SRT-8 4WD $1,522 $761 $127
Nissan Altima 2.5 4-Dr Sedan $1,236 $618 $103
Toyota Camry XLE $1,120 $560 $93
Toyota Corolla XRS $1,450 $725 $121
Toyota Prius $1,432 $716 $119
Toyota Tacoma Double Cab TRD Sport Package 4WD $934 $467 $78
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in vehicle garaging location which can modify premium rates noticeably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The data tables below highlight the differences in premium rates of buying low and high physical damage coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

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

Ford Fusion insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $304 $512 $394 $24 $118 $1,377 $115
Fusion SE 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion Hybrid 4-Dr Sedan $344 $694 $492 $30 $148 $1,733 $144
Fusion SEL 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion Sport 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Fusion SEL AWD 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
Fusion Sport AWD 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
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Ford Fusion insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $248 $414 $394 $24 $118 $1,198 $100
Fusion SE 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Fusion Hybrid 4-Dr Sedan $278 $560 $492 $30 $148 $1,508 $126
Fusion SEL 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Fusion Sport 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Fusion SEL AWD 4-Dr Sedan $310 $560 $394 $24 $118 $1,406 $117
Fusion Sport AWD 4-Dr Sedan $310 $560 $394 $24 $118 $1,406 $117
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in specific Thomasville garaging location which can impact insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible costs an average of $18 more each month or $216 every year than requesting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 14 months between claim filings, you would save money if you choose the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $130
Average monthly premium for $500 deductibles (subtract): - $112
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that a higher deductible results in a higher out-of-pocket expense at claim time. That will necessitate enough extra savings in the event you have to pay the higher deductible.

Learn how to buy auto insurance more affordably

Many factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other criteria are less obvious like where you live and annual miles driven. It's important that you understand a few of the rating criteria that help calculate your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that could result in lower premium levels.

The items below are a few of the things used by companies to determine your rate level.

Raise deductibles and save - The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more of the claim you have to pay, the lower your rates will be.

Liability coverage claims can be big - The liability coverage on your policy will provide protection if a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Your location is important - Being located in less populated areas of the country may provide you with better prices when shopping for auto insurance. Drivers in populated areas have to deal with more road rage incidents and a longer drive to work. Fewer people means less chance of accidents and also fewer theft and vandalism claims.

Higher prices for auto insurance policy lapses - Having an insurance coverage lapse will be a fast way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance will get you fines and jail time.

Buy a safe car and pay less - Safer cars cost less to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.

Three reasons insurance is important

Despite the high cost of buying insurance in Thomasville, insurance may not be optional for several reasons.

The benefits of having insurance definitely exceed the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so it's recommended you shop around at least once a year to ensure rates are inline.

Cheaper insurance prices are available

The cheapest insurance in Thomasville is attainable from both online companies and also from your neighborhood Thomasville agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not offer the ability to get a quote online and usually these regional carriers work with independent agencies.

You just learned many ideas to lower your insurance car insurance rates in Thomasville. The key thing to remember is the more providers you compare, the higher your chance of finding affordable Thomasville auto insurance quotes. Consumers could even find that the lowest car insurance rates are with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

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