How many years has it been since you compared cheaper auto insurance rates in Hinesville, GA? Tired of scraping the payment together to insure your vehicles every month? You have the same problem as many other drivers in Georgia.

Surprisingly, a recent survey revealed that most auto insurance policyholders kept their policy with the same company for at least the last four years, and almost half have never quoted rates to find lower-cost coverage. Georgia consumers could save an average of about $959 each year by just comparing rate quotes, but they just assume it's a time-consuming process to shop around. Online insurance companies like State Farm, Progressive and GEICO all promote huge savings with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's a great practice to price shop coverage occasionally due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the best rates on auto insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

The best way to compare rates is to realize car insurance companies will pay a fee to provide you with free rate quotes. All you need to do is provide a small amount of information like your general credit rating, how much you drive, if you require a SR-22, and the ages of drivers. That rating data gets sent immediately to multiple top-rated companies and they respond with quotes within a short period of time.

To find lower rates now, click here and complete the form.

The providers in the list below provide free quotes in Hinesville, GA. If multiple companies are shown, it's highly recommended you visit two to three different companies to get the most affordable price.

Insurance Costs for Popular Vehicles in Hinesville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,178 $589 $98
Dodge Ram Crew Cab TRX 4WD $1,832 $916 $153
Ford Escape XLT 4WD $906 $453 $76
Ford F-150 FX4 4WD $1,118 $559 $93
Ford Focus SE 4-Dr Sedan $1,528 $764 $127
Honda Accord LX-S 2-Dr Coupe $1,566 $783 $131
Honda CR-V EX 4WD $1,070 $535 $89
Honda Civic VP 4-Dr Sedan $1,370 $685 $114
Honda Odyssey EX-L $1,096 $548 $91
Hyundai Elantra SE Touring Station Wagon $1,294 $647 $108
Hyundai Sonata GLS 4-Dr Sedan $1,100 $550 $92
Jeep Grand Cherokee Laredo 4WD $1,188 $594 $99
Nissan Altima 2.5 4-Dr Sedan $934 $467 $78
Toyota Camry XLE $1,650 $825 $138
Toyota Corolla LE $1,096 $548 $91
Toyota Prius $1,138 $569 $95
Toyota Tacoma 2WD $1,264 $632 $105
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can change coverage rates substantially.

Reckless driving habits raise car insurance rates

The information below illustrates how speeding tickets and at-fault collisions can affect Kia Optima annual premium costs for different insured age categories. The data is based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

How much more does full coverage cost?

The example below shows the difference between Ford Focus auto insurance costs with full coverage and liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, married female driver, and no discounts are taken into consideration.

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

When to stop paying for full coverage

There is no clear-cut formula of when to exclude comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Ford Focus book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are currently paying more than $400 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Physical damage deductible comparison

The information below illustrates how choosing a deductible and can change GMC Acadia yearly insurance costs for different ages of insureds. The premiums are based on a single female driver, comp and collision included, and no other discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

There's no such thing as the perfect auto insurance policy

When buying proper insurance coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions can help discover whether your personal situation would benefit from professional advice.

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance claims by make and model

Does your vehicle tend to have claims? The data below show the highest and lowest cars and trucks for overall likelihood of having to file claims for each type of coverage.

Car Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
Infiniti QX50 BMW M6
GMC Sierra 2500 Maserati Granturismo
Chevy Silverado 2500 Maserati Quattroporte
Ford F-350 BMW M6
Chevy Spark Audi S7
Smart ForTwo Bentley Continental GT

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

Lowest and Highest Collision Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Colorado Bently Continental GT
Jeep Wrangler Maserati Ghibli
Nissan Xterra Maserati Granturismo
GMC Canyon BMW M6
Ford F-250 SuperCab Bently Continental GTC
Mini Cooper Bentley Continental Flying Spur

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Hyundai Accent
Ford F-350 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 2500 Chevrolet Sonic
Tesla Model S Kia Forte
Chevrolet Corvette Chevrolet Spark

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

Lowest and Highest Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Fiat 500 Kia Rio
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Outback Chrysler 200
Acura MDX Mitsubishi Lancer
Subaru Forester Mitsubishi Mirage
Audi A6 Chevrolet Cruze

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