Do you want the cheapest car insurance rates in Valdosta, GA? Are you drained from being strong-armed to pay car insurance each month? You are no different than millions of other vehicle owners.
Amazingly, most car insurance customers kept buying from the same company for four years or more, and almost half have never shopped around. With the average premium in Georgia being $1,722, drivers can cut their rates by roughly 60% a year by just shopping around, but they just assume it's a time-consuming process to compare rates online.
Big companies like GEICO, Farmers Insurance and State Farm all claim big savings with catchy ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.
Smart consumers take time to shop coverage around at least once a year since prices are variable and change quite frequently. Even if you got the lowest rate on car insurance a couple years back the chances are good that you can find a lower premium rate today. You can search a lot of car insurance online, but in just a couple of minutes you can learn some of the best ways to put money back in your pocket.
Companies offering cheap price quotes in Valdosta, GA
The companies shown below are ready to provide free quotes in Georgia. If multiple providers are shown, it's a good idea that you visit two to three different companies to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 4WD||$1,176||$588||$98|
|Chevrolet Impala LS||$1,060||$530||$88|
|Chevrolet Malibu LS||$1,236||$618||$103|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,708||$854||$142|
|Dodge Grand Caravan Hero||$1,162||$581||$97|
|Dodge Ram Quad Cab Laramie 2WD||$1,632||$816||$136|
|Ford Escape XLT 4WD||$1,010||$505||$84|
|Ford F-150 Lariat King Ranch 4WD||$1,170||$585||$98|
|Ford Focus SE 2-Dr Coupe||$1,170||$585||$98|
|Honda Accord LX-P 4-Dr Sedan||$980||$490||$82|
|Honda CR-V EX 4WD||$1,022||$511||$85|
|Honda Civic EX-L 4-Dr Sedan||$1,342||$671||$112|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,470||$735||$123|
|Toyota Camry XLE||$1,138||$569||$95|
|Toyota Corolla LE||$1,458||$729||$122|
|Toyota Tacoma Double Cab 4WD||$1,018||$509||$85|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific location information which can affect auto insurance rates significantly.
Can higher deductibles save money?
One frequently asked question is which deductibles should you choose. The following tables show how much more you'll pay between low and high insurance deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
GMC Acadia 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|
|Acadia SL 2WD||$294||$502||$394||$24||$118||$1,357||$113|
|Acadia SL AWD||$338||$502||$394||$24||$118||$1,401||$117|
|Acadia SLE 2WD||$338||$502||$394||$24||$118||$1,401||$117|
|Acadia SLE AWD||$338||$612||$394||$24||$118||$1,511||$126|
|Acadia SLT 2WD||$338||$612||$394||$24||$118||$1,511||$126|
|Acadia SLT AWD||$382||$612||$394||$24||$118||$1,555||$130|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$216||$340||$394||$24||$118||$1,092||$91|
|Acadia SL AWD||$248||$340||$394||$24||$118||$1,124||$94|
|Acadia SLE 2WD||$248||$340||$394||$24||$118||$1,124||$94|
|Acadia SLE AWD||$248||$414||$394||$24||$118||$1,198||$100|
|Acadia SLT 2WD||$248||$414||$394||$24||$118||$1,198||$100|
|Acadia SLT AWD||$278||$414||$394||$24||$118||$1,228||$102|
|Get a Quote for Your Vehicle Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in specific garaging location which can alter price quotes substantially.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $25 more each month or $300 each year than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 16 months between claim filings, you would save money if you elect the higher deductible. Here is an example of how this calculation is made.
|Average monthly premium for $100 deductibles:||$122|
|Average monthly premium for $500 deductibles (subtract):||- $97|
|Monthly savings from raising deductible:||$25|
|Difference between deductibles ($500 - $100):||$400|
|Divide difference by monthly savings:||$400 / $25|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||16 months|
One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have to file a claim. You must have some extra savings in the event you need to pay more for the deductible.
Male drivers compared to female drivers
The illustration below compares insurance costs for male and female drivers in Valdosta. The rates are based on no claims or driving citations, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration on a Kia Optima SX.
Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Five things that affect your rates
The best way to find cheaper car insurance is to take a look at the factors that help calculate the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels.
The following are some of the most rate-impacting factors used by your company to calculate your rate level.
Teenage driver insurance premiums - Young drivers in Georgia have been known to be careless and easily distracted when driving therefore car insurance rates are much higher. More experienced drivers tend to be more responsible, tend to file fewer claims, and are generally more financially stable.
Safer occupants lowers car insurance rates - Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates. If your vehicle scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
How credit history affects car insurance prices - An insured's credit score will be a significant factor in determining your rates. If your credit history is not that good, you could pay less to insure your vehicle if you clean up your credit. Insureds with very high credit ratings tend to be more responsible than those with worse credit.
Save money with alarms and GPS tracking - Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
Policy add-ons add up - There are a ton of extra add-on coverages you can purchase when buying car insurance. Coverage for things like rental car reimbursement, towing coverage, and term life insurance could be just wasting money. These may sound like a good investment when discussing your needs, but your needs may have changed so get rid of them and save.
Cheaper rates on car insurance with these discounts
Car insurance can be pricey, but there are discounts available to reduce the price significantly. Some discounts will apply when you complete an application, but some may not be applied and must be specifically requested before being credited. If they aren't giving you every credit you deserve, you are paying more than you should be.
- Student in College - Youth drivers living away from Valdosta attending college and leave their car at home may be able to be covered for less.
- Mature Driver Discount - Drivers over the age of 55 can get lower premium rates.
- Discount for Home Ownership - Simply owning a home can save a few bucks because owning a home shows financial diligence.
- Early Switch Discount - Some companies give discounts for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
- Government Employee Discount - Federal government employees could qualify for a slight premium decrease depending on your car insurance provider.
- Theft Deterrent System - Cars and trucks equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- More Vehicles More Savings - Insuring primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
- Service Members Pay Less - Being deployed in the military could trigger a small discount.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck.
To view companies with discount rates in Georgia, follow this link.
Compare rates but buy from a local Valdosta insurance agent
A lot of people just prefer to visit with an insurance agent and that is OK! One of the great benefits of comparing insurance prices online is you may find cheaper rates and still choose a local agent. Buying insurance from local insurance agencies is important particularly in Valdosta.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Valdosta who will give you bids for your business. It's much easier because you don't need to contact any agents since rate quotes are delivered to you. You can get cheaper insurance rates without having to waste a lot of time. If you want to get a rate quote from a specific insurance company, don't hesitate to go to their quote page to submit a rate quote request.
Selecting an insurer requires more thought than just a low price. Ask your prospective agent these questions:
- How long has their agency been in business in Valdosta?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which insurance companies are they affiliated with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agency provide any after hours assistance?
Once you have received satisfactory answers as well as an affordable premium quote, you've probably found an insurance company that can be trusted to adequately provide insurance. Just understand that it's your coverage and you can cancel coverage whenever you wish so never feel you're contractually obligated to any specific agency for the full policy term.
Can you really save if you switch?
Popular car insurance providers such as Allstate, GEICO and Progressive regularly use ads in print and on television. All the ads make the same claim of big savings if you get a free Valdosta auto insurance quote and switch your coverage to them. That's great but how can every company give you a better price on car insurance?
Many companies have an ideal profile for the type of customer that will be a good risk. For instance, a preferred risk might have to be between 30 and 50, has had continuous coverage, and drives less than 5,000 miles a year. Someone that matches those criteria will probably get cheap auto insurance rates and have a good chance to save some money.
Potential customers who don't qualify for this ideal profile will get more expensive rates which translates to the customer not purchasing. If you pay attention, the ads say "people that switch" but not "everyone who gets a quote" can get the lowest rates when switching. This is how insurance companies can confidently claim big savings.
This really illustrates why you need to compare free Valdosta auto insurance quotes often. Because without a comparison, you cannot know which company will be your best fit.
Tailor your auto insurance coverage to you
When it comes to buying the right insurance coverage, there really is not a one-size-fits-all type of policy. Each situation is unique.
Here are some questions about coverages that can help discover if your situation could use an agent's help.
- What if I don't agree with a claim settlement offer?
- Does my medical payments coverage pay my health insurance deductible?
- How many claims can I have before being cancelled?
- Can I drive in Mexico and have coverage?
- How much underlying liability do I need for an umbrella policy?
- How much liability insurance is required?
- Does my vehicle need full coverage?
- When should I remove my kid from my policy?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form.
Quote more to save more
Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, high prices or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new car insurance company can be less work than you think.
In this article, we presented quite a bit of information on how to compare car insurance auto insurance rates in Valdosta. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the lowest auto insurance rates come from a smaller regional carrier.
While you're price shopping online, do not reduce coverage to reduce premium. In many instances, an accident victim reduced liability coverage limits and learned later they didn't have enough coverage. Your strategy should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.
More tips and info about car insurance can be read by following these links:
- Frontal Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for Business Use in Georgia? (FAQ)
- Who Has the Cheapest Car Insurance for Infrequent Drivers in Georgia? (FAQ)
- Who Has Affordable Car Insurance for a Ford Escape in Georgia? (FAQ)
- What is the Best Car Insurance in Hinesville, Georgia? (FAQ)
- Who Has Affordable Georgia Auto Insurance for 18 Year Olds? (FAQ)
- What Insurance is Cheapest for Electric Cars in Georgia? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Prepare your Teens for Safe Driving (InsureUonline.org)