How many times have you put off comparing quotes for more affordable insurance rates in Forest Park, GA? Feeling guilty for buying an overpriced insurance policy? Trust us when we tell you there are many Forest Park drivers thinking the same thing.

Unbelievably, most insurance buyers kept buying from the same company for more than four years, and virtually 40% of consumers have never compared rates from other carriers. Georgia insurance shoppers could pocket up to $959 a year just by shopping around, but they just don't want to do a rate comparison. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest price on insurance.

It's a good habit to compare premium rates quite often because prices tend to go up over time. Just because you found the lowest rates on insurance a couple years back you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because you're about to learn the best way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current auto insurance policy or are shopping for new coverage, follow these tips to reduce premiums and still get good coverage. Choosing the most cost-effective auto insurance policy in Forest Park is actually not that difficult if you follow our advice. Consumers only have to learn the most time-saving way to shop from many different companies online.

Auto insurance companies in Georgia

The companies shown below can provide free quotes in Forest Park, GA. If multiple providers are shown, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Forest Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,094 $547 $91
Chevrolet Silverado LTZ Crew Cab 4WD $1,128 $564 $94
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,236 $618 $103
Ford Escape XLS 4WD $1,050 $525 $88
Ford F-150 FX4 Super Cab 4WD $1,396 $698 $116
Ford Focus SES 2-Dr Coupe $1,296 $648 $108
GMC Sierra SL Crew Cab 4WD $1,484 $742 $124
Honda Accord EX 2-Dr Coupe $1,296 $648 $108
Honda CR-V LX 4WD $878 $439 $73
Honda Civic EX 2-Dr Coupe $1,296 $648 $108
Honda Odyssey EX W/Rear Entertainment $1,300 $650 $108
Hyundai Sonata Limited 4-Dr Sedan $1,566 $783 $131
Kia Optima SX $1,068 $534 $89
Nissan Altima 2.5 4-Dr Sedan $1,098 $549 $92
Toyota Camry XLE $1,432 $716 $119
Toyota Corolla XLE $1,468 $734 $122
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific location information which can raise or lower premium rates noticeably.

Where to set your deductibles

The diagram below illustrates how your choice of deductibles and can impact Chevrolet Silverado premium costs for each different age category. The information is based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The following insurance rates illustrate the rate fluctuation when you buy lower versus higher deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.

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

Hyundai Sonata insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata GLS 4-Dr Sedan $338 $612 $444 $26 $134 $1,579 $132
Sonata SE 4-Dr Sedan $338 $720 $444 $26 $134 $1,687 $141
Sonata SE 4-Dr Sedan $338 $720 $444 $26 $134 $1,687 $141
Sonata Limited 4-Dr Sedan $382 $720 $444 $26 $134 $1,731 $144
Sonata Limited 4-Dr Sedan $382 $720 $444 $26 $134 $1,731 $144
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Hyundai Sonata insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata GLS 4-Dr Sedan $248 $414 $444 $26 $134 $1,266 $106
Sonata SE 4-Dr Sedan $248 $486 $444 $26 $134 $1,338 $112
Sonata SE 4-Dr Sedan $248 $486 $444 $26 $134 $1,338 $112
Sonata Limited 4-Dr Sedan $278 $486 $444 $26 $134 $1,368 $114
Sonata Limited 4-Dr Sedan $278 $486 $444 $26 $134 $1,368 $114
Get a Quote for Your Vehicle Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can influence premium rates greatly.

Based on the figures above, using a $100 deductible costs about $28 more each month or $336 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claims, you would come out ahead by going with a higher deductible. The table below shows a better example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $110
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that increasing deductibles to lower your rates means you will have to pay more when you have a claim. You need to have a higher level of savings in order to pay the higher deductible in order to repair your vehicle.

Informed consumers can lower your rates

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but others are more transparent such as your marital status or your commute time. The best way to find cheaper auto insurance is to take a look at some of the factors that help calculate the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with cheaper rates.

The items below are some of the major factors that factor into your rates.

Prices and job - Careers such as lawyers, social workers and stock brokers generally pay higher rates than the rest of us because of intense work-related stress and incredibly demanding work hours. On the other hand, jobs like professors, historians and homemakers have lower than average premiums.

Avoid tickets and save - Whether or not you get tickets influences premium rates substantially. Careful drivers get better prices than their less careful counterparts. Getting just one speeding ticket may increase your cost by as much as twenty percent. People who have severe citations like DUI, reckless driving or excessive speeding are required to file a SR-22 with their state DMV in order to legally drive a vehicle.

Only buy coverage you need - There are many optional add-on coverages that may not really be needed if you aren't careful. Coverages like coverage for rental cars, better glass coverage, and additional equipment coverage are probably not needed. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.

Bad credit will cost you - Having a good credit history is a large factor in your rate calculation. Consumers who have high credit scores tend to be more responsible and file fewer claims than drivers with lower credit scores. Therefore, if your credit score could use some work, you may save money insuring your vehicle by spending a little time repairing your credit.

Big cities have higher premiums - Having an address in less populated areas of the country can be a good thing when buying auto insurance. Drivers who live in large cities regularly have more aggressive driving styles and more time behind the wheel. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.

Get affordable insurance with discounts

Companies don't always list all discounts in an easy-to-find place, so the list below details a few of the more well known as well as the least known insurance savings.Save money with discounts

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, that's just not realistic.

A partial list of companies that may offer policyholders these benefits include:

When getting a coverage quote, ask each company how you can save money. A few discounts may not apply to policies everywhere. To see a list of insurers with the best insurance discounts in Georgia, follow this link.

Car insurance claim information

Which vehicle models have severe claims? The data below outline the good and bad makes and models for the overall chance of having to file claims.

Lowest and Highest Car Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Nissan Versa
Ford Expedition Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 3500 Chrysler 200
Ford F-250 SuperCrew Chevrolet Spark

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

Lowest and Highest Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevy Spark BMW M6
Nissan Xterra Maserati Granturismo
Smart ForTwo Porsche Panamera GTS
Nissan Leaf Maserati Quattroporte
GMC Sierra 2500 BMW M6
Ford F-350 Bentley Continental GT

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

Bodily Injury Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Sonic
Mercedes-Benz SL Class Hyndai Accent
Acura MDX Kia Optima
Fiat 500 Chevrolet Impala
Chevrolet Corvette Kia Rio
Subaru Forester Chevrolet Cruze

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

Auto Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bently Continental GTC
Smart ForTwo Maserati Ghibli
Ford Edge Ferrari 458
Chevrolet Colorado Audi RS7
GMC Canyon Bentley Continental Flying Spur
Ford F-250 SuperCab Bently Continental GT

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

Cheap auto insurance premiums are out there

As you quote Forest Park auto insurance, never reduce needed coverages to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

We've covered some good ideas how to lower your auto insurance premium rates in Forest Park. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest premium rates come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Additional information can be found at the links below