If you're shopping for lower-cost insurance online, do you get frustrated by the dozens of car insurance sources in your area? Many other drivers are too. People have so many sources available that it can be a ton of work to lower your rates. Everyone knows that Kennesaw is a wonderful place to live, but the high premiums for car insurance makes it impossible to affordably buy enough coverage.

Sadly, the vast majority of car insurance customers have remained with the same car insurance company for at least four years, and approximately 38% of consumers have never even compared rates from other companies. Consumers in Kennesaw could pocket about 60% a year by just shopping around, but they don't want to take the time to do a rate comparison.

If you have a policy now, you should be able to cut your premiums using these tips. Comparison shopping for cheaper protection in Kennesaw is easy if you know what you're doing. Nevertheless, Georgia car owners do need to learn the methods companies use to determine premium rates and apply this information to your search.

Auto insurance providers offering cheap rates in Georgia

The companies shown below are our best choices to provide price quotes in Kennesaw, GA. If multiple companies are shown, we suggest you get rates from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Kennesaw
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,036 $518 $86
Dodge Ram Crew Cab ST 2WD $1,482 $741 $124
Ford Escape Limited 4WD $1,242 $621 $104
Ford F-150 XL Regular Cab 4WD $1,110 $555 $93
Ford Focus S 4-Dr Sedan $1,264 $632 $105
Honda Accord LX 4-Dr Sedan $1,426 $713 $119
Honda CR-V EX-L 2WD $808 $404 $67
Honda Civic EX 4-Dr Sedan $964 $482 $80
Honda Odyssey EX-L $1,072 $536 $89
Hyundai Elantra SE 4-Dr Sedan $1,484 $742 $124
Jeep Grand Cherokee SRT-8 4WD $1,290 $645 $108
Kia Optima SX $1,186 $593 $99
Mazda 3 I SV 4-Dr Sedan $1,190 $595 $99
Nissan Altima 3.5 SR 4-Dr Sedan $1,470 $735 $123
Toyota Camry LE $1,400 $700 $117
Toyota Corolla LE $962 $481 $80
Volkswagen Jetta LE 4-Dr Sedan $1,162 $581 $97
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific location information which can alter price quotes significantly.

How accidents and violations affect rates

The chart below illustrates how speeding tickets and accident claims can drive up Honda Pilot yearly insurance costs for different age groups. The premium estimates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Slash rates with these discounts on auto insurance

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not know about. Some of these discounts will be visible at quote time, but some must be asked for before they will apply.Save money with discounts

As a sidenote, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it's just not the way it works. But any discount will help reduce the amount you have to pay.

Car insurance companies that may offer quotes with many of the previously listed discounts are:

Check with every company how you can save money. Some of the discounts discussed earlier may not be offered in Kennesaw. If you would like to see a list of companies who offer online auto insurance quotes in Kennesaw, click here to view.

Kennesaw car insurance premiums are influenced by these factors

Many things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but others are not quite as obvious such as your marital status or your financial responsibility. It's important that you understand some of the elements that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that will entitle you to lower rates.

The following are a few of the "ingredients" car insurance companies consider when setting your rate level.

Single drivers may have higher premiums - Having a wife or husband helps lower the price on your policy. Marriage may mean you are more mature and it's statistically proven that married couples file fewer claims.

How many coverages with the same company - Many insurers provide discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying from different companies

Do you have enough liability protection? - The liability coverage on your policy is the coverage that protects you if a court rules you are at fault for personal injury or accident damage. Your policy's liability insurance provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Age of drivers impacts premiums - Teen drivers in Georgia tend to be inattentive when at the wheel of a vehicle so they pay higher car insurance rates. Older, more experienced drivers tend to be more responsible, tend to file fewer claims, and are generally more financially stable.

Filing claims can cost you - Car insurance companies in Georgia provide better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.

Avoid car insurance policy lapses - Going without insurance is a quick way to trigger a rate increase. Not only will you pay higher rates, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Georgia DMV.

Lower rates with alarm systems - Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.

Your job may affect premiums - Did you know your occupation can influence how much you pay for car insurance? Occupational choices like real estate brokers, air traffic controllers, and emergency personnel have higher premiums than the average policyholder because of high stress levels and long work days. Conversely, jobs like professors, athletes and performers pay lower than average rates.

Auto insurance savings promises

Respected companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to have a common claim about saving some big amount if you switch your coverage. That's great but how can every company offer you a better deal on auto insurance? This is the way they can do it.

Many companies quote the lowest rates for the type of customer that will generate a profit. An example of a desirable insured may be a female over age 40, has never had a claim, and chooses high deductibles. A customer who matches that profile gets the lowest rates and have a good chance to pay quite a bit less when switching companies.

Consumers who are not a match for these stringent criteria may be forced to pay higher premiums and this results in the customer not purchasing. The ad wording is "drivers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's why insurance companies can confidently make it sound like they have such great rates.

This emphasizes why drivers should compare as many free Kennesaw auto insurance quotes as you can. Because you never know the company that will fit your personal profile best.

Auto insurance claim information

Are you driving a high-claim vehicle? The claim statistics below list the best and worst makes and models for the overall chance of filing claims for each type of coverage.

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Mitsubishi Lancer
Ford Expedition Chevrolet Spark
Chevrolet Silverado 3500 Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Mirage
Tesla Model S Chevrolet Sonic
Chevrolet Corvette Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Mercedes-Benz S Class
Infiniti QX50 Maserati Quattroporte
Smart ForTwo Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Nissan Xterra BMW M6
Volvo V60 Audi S7

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Hyndai Accent
Fiat 500 Chevrolet Impala
Chevrolet Corvette Chrysler 200
Subaru Forester Mitsubishi Lancer
Subaru Outback Mitsubishi Mirage
Acura MDX Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Bentley Continental Flying Spur
Smart ForTwo Maserati Ghibli
Mini Cooper Nissan GT-R
Ford F-150 SuperCrew Bently Continental GT
Chevrolet Colorado Ferrari 458
Jeep Wrangler BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Final considerations

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

We covered quite a bit of information on how to lower your car insurance auto insurance rates in Kennesaw. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with some of the lesser-known companies.

People switch companies for any number of reasons including lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer and even denial of a claim. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

Additional car insurance information is available below: