When trying to find more affordable insurance, are you baffled by the crazy number of car insurance providers available to you? There are so many choices that it is a difficult mission to find the perfect company for you. If you've ever been there, you know that Savannah is a great city to live in, but expensive car insurance premiums can make it hard to afford.
Statistics show that 70% of consumers renewed their policy with the same company for at least four years, and almost half have never compared rate quotes at all. Many drivers in Georgia could save an average of approximately $959 each year by just comparing quotes, but they think it's difficult to compare rate quotes.
You need to get comparison quotes yearly because insurance prices are constantly changing. Just because you had the lowest rate on car insurance a year ago the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because you're about to learn how to quote online to find better rates and still maintain coverage.
All major car insurance companies make it easy to get pricing online. Comparing car insurance rates online is pretty easy because it's just a matter of typing in your coverage preferences into the quote form. When the form is submitted, the company's rating system sends out for credit information and your driving record and generates pricing information based on the information you submitted.
Quoting online makes it a lot easier to compare rates and it's very important to compare as many rates as possible in order to find the cheapest car insurance rates.
To find out how much you can save on car insurance, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter coverages and limits exactly as they are listed on your policy. This guarantees you will receive a fair comparison using the same coverage and limits.
The companies shown below can provide price quotes in Georgia. If the list has multiple companies, it's a good idea that you compare several of them in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LTZ||$1,424||$712||$119|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,522||$761||$127|
|Dodge Ram Crew Cab ST 4WD||$1,020||$510||$85|
|Ford Escape Limited 2WD||$906||$453||$76|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,332||$666||$111|
|Ford Focus SES 4-Dr Sedan||$1,266||$633||$106|
|Ford Fusion S 4-Dr Sedan||$1,178||$589||$98|
|Honda Accord LX-P 4-Dr Sedan||$1,122||$561||$94|
|Honda CR-V EX-L 4WD||$900||$450||$75|
|Honda Civic Hybrid 4-Dr Sedan||$1,708||$854||$142|
|Hyundai Sonata SE 4-Dr Sedan||$1,490||$745||$124|
|Mazda 3 S Grand Touring 4-Dr Hatchback||$1,292||$646||$108|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,236||$618||$103|
|Toyota Camry XLE||$1,416||$708||$118|
|Toyota Corolla XLE||$1,266||$633||$106|
|Toyota RAV4 Limited 4WD||$1,188||$594||$99|
|Toyota Tacoma 4WD||$1,086||$543||$91|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in zip code location which can raise or lower premiums greatly.
Rate comparison for different deductibles
When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The comparisons below show the difference in cost of buying low and high comp and collision deductibles. The first rate comparisons uses a $100 deductible and the second price chart uses a $500 deductible.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can impact price quotes substantially.
We can estimate from the data above that using a $100 deductible will cost you approximately $29 more each month or $348 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claims, you would save more money if you choose a higher deductible.
It may be expensive, but it's not optional
Despite the potentially high cost of insurance, buying insurance is required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance if you drive a vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, it's guaranteed your bank will make it a condition of the loan that you carry insurance to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle at a much higher rate and require you to pay much more than you were paying before.
Third, insurance safeguards both your vehicle and your assets. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is wasting up to $850 per year so it's very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.
Discount Savannah auto insurance rates
Not many people think insurance is cheap, but there's a good chance there are discounts that you may not even be aware of. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings.
- Good Student - Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
- Accident Forgiveness - Not a discount per se, but some companies like State Farm, Progressive and GEICO permit an accident without the usual rate increase as long as you don't have any claims for a certain period of time.
- Employee of Federal Government - Simply working for the federal government could qualify for a slight premium decrease but check with your company.
- Payment Discounts - If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
- Resident Student - Children who are enrolled in higher education away from home and don't have a car can be insured at a reduced rate.
- Passenger Safety Discount - Options like air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
- E-sign Discounts - A handful of larger companies provide a small discount for buying your policy on your computer.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky.
To locate insurance companies who offer online auto insurance quotes in Georgia, click this link.
Getting quotes from local Savannah insurance agents
Certain consumers prefer to sit down and talk to an agent and that is just fine! One of the benefits of price shopping on the web is you can get the best rates and also buy local.
To make it easy to find an agent, after completing this short form, your insurance data is sent to agents in your area that can provide free Savannah auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to the email address you provide. You can get cheaper car insurance rates and work with a local agent. In the event you want to get a rate quote for a specific company, just search and find their rate quote page and submit a quote form there.
Choosing a company should depend on more than just a cheap quote. Get answers to these questions too.
- What is the financial rating for the quoted company?
- Do they write coverage based solely on cost?
- Which family members are covered?
- Do they get paid more for recommending certain coverages?
- Does the company use OEM repair parts?
Listed below are Savannah car insurance companies that may be able to provide price quotes.
- Love Insurance
10500 Abercorn St - Savannah, GA 31419 - (912) 925-8111 - View Map
- Accu-Rate Insurance
1023 W Victory Dr - Savannah, GA 31405 - (912) 236-8420 - View Map
- Southern Harvest Insurance Agency
5501 Abercorn St A - Savannah, GA 31405 - (912) 201-3332 - View Map
- Life Insurance Agency
20 Harrell Dr - Savannah, GA 31408 - (912) 323-8808 - View Map
If you receive reasonable responses to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an provider that is a good match to properly insure your vehicles.
It's not one size fits all
Keep in mind that when it comes to choosing coverage for your personal vehicles, there really isn't a "best" method to buy coverage. Each situation is unique and your car insurance should unique, too. For instance, these questions may help highlight if your situation will benefit from professional help.
- When should my teen driver be added to my policy?
- Are all vehicle passengers covered by medical payments coverage?
- What is the difference between comprehensive and collision coverage?
- When should I buy a commercial auto policy?
- Can good grades get a discount?
- When should I have rental car coverage?
If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Do the work, save more money
When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.
Some companies do not provide rates over the internet and most of the time these small insurance companies only sell through independent agencies. Lower-priced car insurance in Savannah can be bought both online as well as from independent agents in Savannah, and you need to price shop both in order to have the best chance of saving money.
Much more information about car insurance in Georgia is located on the following sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Safety Features for Your New Car (State Farm)
- Where can I buy Insurance? (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)