Are you researching more competitive car insurance rates in Dunwoody, GA? Have you finally had enough of trying to scrape together enough money to buy car insurance? You're in the same situation as many other vehicle owners in Georgia.

Sadly, the vast majority of car insurance customers in Georgia have stayed with the same insurance company for at least the last four years, and approximately 40% of consumers have never compared car insurance rates at all. Consumers in the United States could save nearly $850 each year just by comparing rates, but they just don't want to compare rates online.

Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company to find the best price available on car insurance.

Consumers should take time to quote other rates once or twice a year because prices change quite often. If you had the best deal on car insurance a couple years back the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding car insurance online, but we're going to give you some excellent ideas to find affordable car insurance in Dunwoody.

The are a couple different ways to compare rate quotes from lots of Georgia car insurance companies. The quickest method to find affordable insurance rates is to use the internet to compare rates.

Getting price quotes online is very simple and it makes it a waste of time to spend time driving to insurance agencies in your area. Doing it all online makes this unnecessary unless you want the extra assistance of a licensed agent. It is possible with some companies get prices online but buy from a local Dunwoody insurance agent. Just remember that comparing more quotes helps you find the best rates.

The companies shown below have been selected to offer quotes in Dunwoody, GA. If several companies are displayed, we suggest you compare several of them in order to find the lowest rates.

Insurance Costs for Popular Vehicles in Dunwoody
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $896 $448 $75
Chevrolet Silverado LT Extended Cab 2WD $1,124 $562 $94
Dodge Ram Quad Cab ST 4WD $1,826 $913 $152
Ford Escape XLT 2WD $926 $463 $77
Ford F-150 STX Regular Cab 4WD $1,256 $628 $105
Ford Focus SES 2-Dr Coupe $1,512 $756 $126
GMC Sierra SLT Extended Cab 2WD $1,322 $661 $110
Honda Accord EX-L 4-Dr Sedan $1,216 $608 $101
Honda CR-V EX 4WD $916 $458 $76
Honda Civic SI 4-Dr Sedan $1,686 $843 $141
Honda Odyssey Touring $1,254 $627 $105
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,288 $644 $107
Mazda 3 S Grand Touring 4-Dr Sedan $1,492 $746 $124
Nissan Altima 3.5 SR 2-Dr Coupe $1,628 $814 $136
Toyota Camry SE $1,262 $631 $105
Toyota Corolla LE $1,262 $631 $105
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in garaging location in Dunwoody which can raise or lower premium rates noticeably.

Gender differences in car insurance premiums

The example below illustrates the comparison of annual premium costs for male and female drivers in Dunwoody. The price estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no other discounts are factored in on a Hyundai Elantra SE Touring.

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

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The figures shown below outline the cost difference when you buy lower versus higher deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

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

Honda Pilot insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $304 $420 $394 $24 $118 $1,285 $107
Pilot EX 2WD $344 $420 $394 $24 $118 $1,325 $110
Pilot EX 4WD $344 $420 $394 $24 $118 $1,325 $110
Pilot EX-L 2WD $344 $512 $394 $24 $118 $1,417 $118
Pilot EX-L 4WD $344 $512 $394 $24 $118 $1,417 $118
Pilot Touring 2WD $344 $512 $394 $24 $118 $1,417 $118
Pilot Touring 4WD $344 $512 $394 $24 $118 $1,417 $118
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Honda Pilot insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $188 $264 $394 $24 $118 $988 $82
Pilot EX 2WD $212 $264 $394 $24 $118 $1,012 $84
Pilot EX 4WD $212 $264 $394 $24 $118 $1,012 $84
Pilot EX-L 2WD $212 $322 $394 $24 $118 $1,070 $89
Pilot EX-L 4WD $212 $322 $394 $24 $118 $1,070 $89
Pilot Touring 2WD $212 $322 $394 $24 $118 $1,070 $89
Pilot Touring 4WD $212 $322 $394 $24 $118 $1,070 $89
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can revise rates greatly.

Based on these figures, using a $250 deductible costs about $27 more each month or $324 a year than requesting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 28 months between claims, you would most likely save money by selecting a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

Illustration showing the impact of accidents and violations

The illustration below shows how traffic citations and accidents influence Nissan Sentra yearly insurance costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Three reasons to not skimp on auto insurance

Even though it's not necessarily cheap to insure a vehicle in Dunwoody, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of having auto insurance definitely exceed the cost, especially for larger claims. The average driver in America overpays more than $865 each year so shop around once a year at a minimum to save money.

Insurance discounts are available to get cheap rates

Insurance is not inexpensive, but you can get discounts that can drop the cost substantially. Certain credits will be shown at the time you complete a quote, but some must be manually applied prior to receiving the credit.Save money with discounts

Don't be surprised that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, nobody gets a free ride.

A few companies that have most of these discounts are:

Before buying, ask every company which discounts can lower your rates. Some discounts listed above may not be offered in Dunwoody. To see a list of insurance companies with the best insurance discounts in Georgia, click here to view.

Everyone needs different insurance coverages

When it comes to coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.Drive safe and save

For example, these questions may help highlight whether you may require specific advice.

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Auto insurance claims by make and model

Which vehicles statistically have few claims? The tables below show the highest and lowest cars and trucks for the probability of having claims for each type of coverage listed.

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Audi A6 Dodge Charger
Mercedes-Benz SL Class Kia Rio
Acura MDX Chrysler 200
Chevrolet Corvette Hyndai Accent
Subaru Outback Chevrolet Cruze
Fiat 500 Mitsubishi Lancer

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

Collision Insurance Claims by Vehicle
Lowest Claims Highest Claims
GMC Canyon BMW 6 Series
Ford F-250 SuperCab BMW M6
Nissan Xterra Nissan GT-R
Jeep Wrangler Maserati Granturismo
Mini Cooper Audi RS7
Chevrolet Colorado Maserati Ghibli

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

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevy Spark Maserati Granturismo
Chevy Silverado 2500 Mercedes-Benz S Class
Nissan Leaf Maserati Quattroporte
Ford F-350 Porsche Panamera GTS
GMC Sierra 2500 Bentley Continental GTC
Infiniti QX50 Bentley Continental GT

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

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Tesla Model S Hyundai Accent
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 2500 Chevrolet Sonic
Ford Expedition Chrysler 200
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Corvette Chevrolet Spark

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

Compare. Compare. Compare.

Insureds leave their current company for any number of reasons including unfair underwriting practices, denial of a claim, delays in responding to claim requests or even an unsatisfactory settlement offer. No matter why you want to switch, switching auto insurance companies is less work than it seems.

In this article, we presented many ways to lower your auto insurance prices in Dunwoody. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest prices are with an unexpected company.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There are many occasions where an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best cost, not the least amount of coverage.

Additional information is located at these links: