How long has it been since you sat down and looked for cheaper auto insurance rates in Peachtree City, GA? Scraping up a payment for pricey auto insurance in Peachtree City can dwindle your monthly budget and force you to tighten up your finances. Performing a price comparison is a fast and free way to make sure you're not throwing money away.
Amazingly, nearly 70% of customers kept their coverage with the same auto insurance company for well over three years, and approximately 40% of consumers have never quoted rates to find affordable coverage. Drivers in Georgia could cut their rates by almost 60% a year, but they won't spend time to shop around. Big companies like GEICO, Farmers Insurance and State Farm constantly bombard you with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
If you have coverage now or just want cheaper rates, you will benefit by learning to reduce the price you pay without having to cut coverage. Finding affordable insurance coverage in Peachtree City is actually quite easy if you know where to start. Shoppers just have to understand the most efficient way to quote multiple rates online from multiple companies.
The companies shown below can provide price comparisons in Georgia. If several companies are displayed, we recommend you get price quotes from 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 Colorado LT 4WD||$914||$457||$76|
|Chevrolet Silverado LS Extended Cab 4WD||$1,242||$621||$104|
|Dodge Grand Caravan SE||$1,414||$707||$118|
|Dodge Ram Quad Cab ST 2WD||$1,412||$706||$118|
|Ford Escape XLS 4WD||$1,118||$559||$93|
|Ford F-150 XLT Crew Cab 4WD||$1,430||$715||$119|
|Ford Focus SE 4-Dr Sedan||$1,176||$588||$98|
|Honda Accord EX-L 4-Dr Sedan||$1,104||$552||$92|
|Honda CR-V EX 4WD||$1,152||$576||$96|
|Honda Civic LX 4-Dr Sedan||$1,206||$603||$101|
|Hyundai Elantra SE Touring Station Wagon||$1,278||$639||$107|
|Jeep Grand Cherokee Laredo 2WD||$1,178||$589||$98|
|Jeep Wrangler Rubicon 4WD 2-Dr||$994||$497||$83|
|Nissan Altima Hybrid 4-Dr Sedan||$1,290||$645||$108|
|Nissan Rogue SL AWD||$1,394||$697||$116|
|Toyota Camry LE||$1,046||$523||$87|
|Toyota Corolla LE||$1,670||$835||$139|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,190||$595||$99|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific Peachtree City garaging location which can change prices greatly.
Impact of speeding/accidents on Peachtree City auto insurance rates
The example below highlights how traffic violations and accident claims can influence Ford F-150 car insurance rates for different age groups. The data is based on a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Get cheaper car insurance with discounts
The cost of insuring your cars can be expensive, but you may find discounts that can help lower your rates. Many discounts should be triggered at quote time, but once in a while a discount must be asked about before they will apply. If you do not double check each discount you qualify for, you could be paying more than you need to.
- Low Mileage - Driving fewer miles could qualify for lower premium rates due to less chance of an accident.
- Membership in Organizations - Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them enroll in driver's education if offered at their school.
- Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Distant College Student Discount - Any of your kids who live away from home at college and don't have a car could qualify for this discount.
- ABS Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
- Discount for Home Ownership - Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
- Save over 55 - Drivers over the age of 55 are able to get a slight reduction on a Peachtree City car insurance quote.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way.
Large car insurance companies and their possible discounts are:
- 21st Century may offer discounts for driver training, good student, early bird, 55 and older, and theft prevention.
- State Farm has discounts for anti-theft, safe vehicle, multiple policy, good student, and multiple autos.
- AAA discounts include AAA membership discount, pay-in-full, good student, multi-car, and education and occupation.
- Liberty Mutual may include discounts for multi-car, hybrid vehicle, preferred payment discount, good student, new vehicle discount, safety features, and exclusive group savings.
- Progressive offers discounts including multi-vehicle, online quote discount, continuous coverage, homeowner, online signing, and good student.
Double check with each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in every state.
Tailor your car insurance coverage to you
When selecting adequate coverage, there really isn't a one size fits all plan. You are unique.
Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.
- Are my custom wheels covered?
- Is there a penalty for late payment?
- Am I covered when driving someone else's vehicle?
- What should my uninsured motorist coverage limits be in Georgia?
- How much will a speeding ticket raise my rates?
- How much liability do I need to cover my assets?
- Should I buy additional glass protection?
If you can't answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and may give you better protection.
Specific coverage details
Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Liability - Liability insurance protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers claims such as emergency aid, funeral expenses, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Georgia state minimum liability requirements are 25/50/25 but drivers should carry better liability coverage.
Coverage for uninsured or underinsured drivers - This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle's occupants and damage to your vehicle.
Since a lot of drivers only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Collision coverages - This pays for damage to your vehicle from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.
Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like doctor visits, EMT expenses, surgery and chiropractic care. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, a broken windshield, theft and rock chips in glass. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.
A little work can save a LOT of money
When shopping online for insurance, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at an affordable rate while still protecting your assets.
Some insurance providers do not offer internet price quotes and these smaller providers provide coverage only through independent agencies. Discount insurance can be found online and from local agencies, and you need to price shop both so you have a total pricing picture.
Insureds leave their current company for many reasons like lack of trust in their agent, high rates after DUI convictions, high prices or poor customer service. It doesn't matter what your reason, finding a new insurance company is less work than it seems.
More information can be found at the links below
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- How Much are Car Insurance Quotes for Used Cars in Georgia? (FAQ)
- Who Has the Cheapest Georgia Auto Insurance Quotes for Drivers Under 21? (FAQ)
- How Much is Georgia Car Insurance for a Honda Pilot? (FAQ)
- Who Has Cheap Georgia Car Insurance Quotes for Government Employees? (FAQ)
- What Car Insurance is Cheapest in Marietta, Georgia? (FAQ)
- Who Has Cheap Auto Insurance Rates for Good Students in Georgia? (FAQ)
- Who Has Affordable Car Insurance for Safe Drivers in Georgia? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Georgia? (FAQ)
- What Insurance is Cheapest for Electric Cars in Georgia? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)