Would you like to buy low-cost insurance rates in Duluth, GA? Are you drained from not being able to afford to keep your car insured? You have the same problem as many other Georgia consumers.

Unthinkable but true, over 70% of Georgia drivers kept their policy with the same company for more than four years, and 38% of customers have never even compared rates from other companies. The average driver in America could save themselves $859 a year just by shopping around, but they just assume it's a time-consuming process to shop their coverage around. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible on insurance.

If you already have coverage or just want to save money, use these tips to get lower rates and possibly find even better coverage. Locating the best rates in Duluth is not that difficult as long as you know where to start. Drivers only need to know the tricks to compare different rates over the internet.

Get affordable rates with discounts

Insuring your vehicles can cost a lot, but you may find discounts that can help lower your rates. Certain reductions will be credited when you purchase, but some may not be applied and must be specially asked for before being credited. If they aren't giving you every credit you qualify for, you're paying more than you need to.Discount auto insurance

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you're out of luck. Any qualifying discounts will lower your premiums.

Auto insurance companies that possibly offer many of the previously listed discounts include:

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Discounts may not be available in your state.

The companies shown below are ready to provide price comparisons in Georgia. If multiple companies are shown, we recommend you visit several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Duluth
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $1,394 $697 $116
Chevrolet Silverado LS Crew Cab 4WD $1,094 $547 $91
Dodge Grand Caravan CV $1,088 $544 $91
Dodge Ram Crew Cab Laramie 2WD $1,218 $609 $102
Ford Escape Limited 2WD $1,332 $666 $111
Ford F-150 XL Crew Cab 2WD $988 $494 $82
Ford Focus SES 4-Dr Sedan $1,224 $612 $102
Honda Accord LX 4-Dr Sedan $874 $437 $73
Honda CR-V EX-L 4WD $1,210 $605 $101
Honda Civic LX 2-Dr Coupe $1,568 $784 $131
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,124 $562 $94
Mazda 3 I SV 4-Dr Sedan $1,190 $595 $99
Nissan Altima 2.5 S 2-Dr Coupe $1,256 $628 $105
Toyota Camry XLE $1,096 $548 $91
Toyota Corolla LE $1,458 $729 $122
Toyota RAV4 Limited 4WD $1,162 $581 $97
Toyota Tacoma Double Cab 4WD $1,206 $603 $101
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can decrease or increase auto insurance rates noticeably.

Duluth insurance rates by age and gender

The chart below shows the difference between insurance rates for male and female drivers in Duluth. The information is based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied on a Toyota Corolla XRS.

Toyota Corolla rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Raise deductibles and save

When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The premium rates below determine the rate differences when you buy lower versus higher insurance deductibles. The first rate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

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

Ford Fusion insurance rates 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 rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $188 $322 $394 $24 $118 $1,046 $87
Fusion SE 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion Hybrid 4-Dr Sedan $212 $438 $492 $30 $148 $1,320 $110
Fusion SEL 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion Sport 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Fusion SEL AWD 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
Fusion Sport AWD 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can lower or raise premium rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $33 more each month or $396 a year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Don't give up on affordable premiums

When trying to cut insurance costs, it's not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to regret they didn't have enough coverage. The proper strategy is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

You just learned quite a bit of information on how to shop for auto insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small local company. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

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