If you've never shopped for Dalton car insurance quotes online, it's easy to get overwhelmed by the large number of online companies that all say they have the best rates.
Sad but true, nearly 70% of consumers have stayed with the same insurance company for more than four years, and about 40% of consumers have never shopped around. Georgia drivers could pocket roughly 60% a year by just comparing rate quotes, but they don't believe the amount of money they would save if they switched.
Consumers should take time to compare premium rates quite often due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the lowest price on car insurance a couple years back the chances are good that you can find a lower rate today. There is lot of inaccurate information about car insurance on the internet, but we're going to give you a bunch of ideas how to lower your car insurance premiums.
Comparing quotes for the most affordable protection in Dalton is not as time-consuming as you think. Practically every car owner who needs more affordable car insurance stands a good chance to find better rates. But Georgia consumers need to have an understanding of the way companies determine how much to charge because it can help you find the best coverage.
To find the best insurance rates, there are several ways to compare rate quotes from different companies. The quickest method to find cheaper rates consists of obtaining rate quotes online. Keep in mind that having more price comparisons helps you find a lower rate. Not every company provides online rate quotes, so you also need to get prices from them, too.
The car insurance companies shown below are our best choices to provide quotes in Dalton, GA. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Crew Cab 2WD||$1,796||$898||$150|
|Dodge Ram Crew Cab SLT 2WD||$1,132||$566||$94|
|Ford Escape XLS 4WD||$882||$441||$74|
|Ford F-150 STX Regular Cab 2WD||$1,426||$713||$119|
|Ford Focus S 4-Dr Sedan||$1,176||$588||$98|
|Ford Fusion Sport 4-Dr Sedan||$1,278||$639||$107|
|Honda Accord LX 4-Dr Sedan||$1,048||$524||$87|
|Honda CR-V EX-L 4WD||$1,004||$502||$84|
|Honda Civic SI 2-Dr Coupe||$1,860||$930||$155|
|Jeep Grand Cherokee Limited 4WD||$1,420||$710||$118|
|Mazda 3 I SV 4-Dr Sedan||$1,690||$845||$141|
|Nissan Altima 2.5 4-Dr Sedan||$1,082||$541||$90|
|Toyota Camry LE||$1,098||$549||$92|
|Toyota Corolla S||$1,432||$716||$119|
|Volkswagen Jetta SE 4-Dr Sedan||$1,676||$838||$140|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in Dalton location which can revise coverage prices noticeably.
Physical damage deductibles
The example below shows how different deductible levels and can increase or decrease Nissan Altima premium costs for each different age category. The information is based on a married male driver, full coverage, and no discounts are applied to the premium.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Cost comparison with and without full coverage
The illustration below shows the comparison of Nissan Sentra insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The price estimates are based on no claims or violations, $1,000 deductibles, single female driver, and no discounts are applied.
Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.
When to drop comp and collision
There is no written rule for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let's assume your Nissan Sentra settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after the deductible is paid. If you are paying in excess of $600 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some situations where eliminating full coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Insurance myths debunked
Insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies make an identical promise about savings if you move to them. But how can every company make almost identical claims? This is how they do it.
Insurance companies require specific criteria for the type of driver they prefer to insure. An example of a profitable risk profile may be over the age of 40, carries full coverage, and drives less than 5,000 miles a year. Anybody who meets those qualifications will get the preferred prices in Dalton and is almost guaranteed to save a lot on Dalton insurance if they switch.
Drivers who don't qualify for the requirements may be required to pay a higher premium and business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can confidently make the claims of big savings.
Each company has different criteria, so it's extremely important to get a wide range of price quotes. Because without a comparison, you cannot know the company that will have the lowest rate quotes.
Why you need insurance for your vehicle
Despite the high insurance cost in Dalton, insuring your vehicle may be mandatory for several reasons.
- Almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to get the vehicle licensed. 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.
- If you have a lien on your vehicle, it's most likely the lender will force you to buy insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may insure your vehicle at a significantly higher premium and require you to pay the higher price.
- Auto insurance protects both your vehicle and your assets. Insurance will pay for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your vehicle greatly outweigh the cost, especially when you need to use it. The average driver in America is overpaying more than $800 each year so you should quote rates once a year at a minimum to ensure rates are competitive.
Check for these five discounts on car insurance
Car insurance is neither fun to buy or cheap, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but once in a while a discount must be requested specifically in order for you to get them. If you do not double check each discount possible, you're paying more than you need to.
- Waiver for an Accident - Not necessarily a discount, but companies like Allstate and State Farm permit an accident before your rates go up so long as you are claim-free for a specific time period.
- Driver Training Discounts - Participating in a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Safe Driver Discounts - Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Resident Student - College-age children who attend college more than 100 miles from Dalton and do not have access to a covered vehicle could qualify for this discount.
- Renewal Discounts - Some car insurance companies reward drivers for buying a policy prior to your current policy expiration. You can save around 10% with this discount.
You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, it doesn't quite work that way.
To locate companies with significant discounts in Dalton, click this link.
When it comes to buying insurance from an agent or online for your vehicles, there is no single plan that fits everyone. Every insured's situation is different.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- Why do I need rental car insurance?
- Does insurance cover damages from a DUI accident?
- What does PIP insurance cover?
- Should I pay a claim out-of-pocket?
- Am I covered when driving on a suspended license?
- Am I insured when driving a different vehicle?
- Do I need higher collision deductibles?
If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form.
Parts of your car insurance policy
Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.
Comprehensive protection - This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from flooding, vandalism, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision - This coverage covers damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like scraping a guard rail, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It's also possible to raise the deductible in order to get cheaper collision rates.
Uninsured or underinsured coverage - This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.
Due to the fact that many Georgia drivers carry very low liability coverage limits (Georgia limits are 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Medical expense coverage - Med pay and PIP coverage pay for short-term medical expenses such as rehabilitation expenses, prosthetic devices and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Auto liability - This protects you from damage that occurs to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like pain and suffering, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase higher limits if possible. Georgia requires drivers to carry at least 25/50/25 but you should consider buying higher limits.
Affordable auto insurance premiums are possible
As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.
People switch companies for many reasons like not issuing a premium refund, delays in responding to claim requests, policy non-renewal or even denial of a claim. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.
Budget-conscious auto insurance is available both online and from local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get quotes online and these small, regional companies sell through independent insurance agents.
Other learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- What is Full Coverage? (Allstate)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)