Are you doing reasearch to find the cheapest Toyota Corolla insurance in Savannah? Baffled by the sheer number of auto insurance choices in your area? Many other drivers are as well. Consumers have so many choices available that it can really be a burden to find a cheaper company. Savannah is a great city to live in, but getting gouged by high auto insurance rates makes it difficult to be able to afford adequate coverage.
Surprisingly, a recent survey revealed that over 70% of consumers kept their coverage with the same auto insurance company for over three years, and nearly 40% of drivers have never compared rates with other companies. Most drivers in Georgia could save themselves $960 a year by just shopping around, but they don't invest the time required to compare rates online.
If you have auto insurance now, you will most likely be able to get lower rates using these tips. Finding and buying the cheapest auto insurance in Savannah is not as hard as you think. Nevertheless, Georgia drivers do need to understand how the larger insurance companies market insurance on the web because it varies considerably.
Companies offering Toyota Corolla insurance in Georgia
The companies in the list below have been selected to offer free rate quotes in Georgia. If multiple companies are listed, it's highly recommended you get rate quotes from several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in zip code location which can revise premiums considerably.
Auto insurance deductibles
The illustration below demonstrates how deductibles and can increase or decrease Toyota Corolla insurance prices for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Savannah insurance discounts
Companies don't always advertise all their discounts in an easy-to-find place, so the list below details some of the more common and the harder-to-find discounts you could be receiving when you buy Savannah car insurance online. If you aren't receiving every discount possible, you are throwing money away.
- Savannah Homeowners Discount - Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Passive Restraints and Air Bags - Vehicles with factory air bags can qualify for discounts of 20 to 30 percent.
- Telematics Data - Insureds who allow their company to study when and where they use their vehicle by using a small device installed in their vehicle such as State Farm's In-Drive might get better premium rates if they have good driving habits.
- Employee of Federal Government - Having worked for a branch of the government may reduce rates when you quote Savannah car insurance depending on your company.
- Savings for New Vehicles - Buying a new car instead of a used Corolla is cheaper due to better safety requirements for new model year vehicles.
- More Vehicles More Savings - Buying a policy with more than one vehicle with the same insurance company may reduce the rate for each vehicle.
- 55 and Retired - Older drivers can get a small discount on rates.
- Smart Student Discounts - Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
- Membership in Organizations - Participating in qualifying clubs or civic groups may earn a discount when getting a Savannah car insurance quote.
Just know that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it's just not the way it works.
If you would like to see a list of insurance companies that offer many of these discounts in Savannah, click here to view.
Components of Your Toyota Corolla Insurance Costs
Many things are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other criteria are more obscure like where you live or your vehicle rating.
Safer occupants lowers prices - Cars with five star safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and lower rates of occupant injuries means less money paid by your insurance company which can result in lower premiums.
Prices increase with policy add-ons - There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Coverages like rental car reimbursement, towing, and term life insurance are some examples. The coverages may be enticing when discussing your needs, but if they're wasting money consider taking them off your policy.
Car plus home equals more savings - Most larger companies provide discounts for people that buy multiple policies in the form of a multi-policy discount. Even with this discount applied, it's always a smart idea to comparison shop to guarantee you are still saving the most.
Get better rates if married - Having a significant other can actually save you money compared to being single. Marriage may mean you are more stable financially and insurance companies reward insureds because being married results in fewer claims.
Can a thief steal your car? - Driving a car with an alarm system can help lower your premiums. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your car from being stolen.
Pay more for higher performance vehicles - The type of vehicle you own makes a big difference in the rate you pay. The best insurance prices are usually found on the lowest performance passenger cars, but there are many factors that impact the final cost. Because the Toyota Corolla is a sedan, insuring your vehicle will cost about the same when compared to the average rates in Savannah.
Lower stress equals lower premiums - Careers like real estate brokers, air traffic controllers, and accountants generally pay higher premium rates because of high stress and lengthy work days. On the other hand, careers such as actors, engineers and the unemployed pay the least.
Claims statistics for a Toyota Corolla - Companies use statistical claims data when they set coverage costs for each model. Models that have higher frequency or amount of claims will cost more for coverage.
The table below demonstrates the insurance loss data for Toyota Corolla vehicles. For each coverage category, the claim amount for all vehicles averaged together is a value of 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 indicate frequent claims or a tendancy for claims to be larger.
Auto Insurance Loss Data for Toyota Corolla Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get rate quotes but work with a local Savannah insurance agent
A small number of people would rather get professional advice from a licensed agent and that is not a bad decision One of the best bonuses of comparing insurance online is that you can obtain cheap insurance quotes but also keep your business local. Supporting local agencies is important especially in Savannah.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is transmitted to companies in Savannah who will return price quotes for your business. There is no need to contact any insurance agencies because prices are sent straight to your inbox. You can find better rates without requiring a lot of work. In the event you want to get a price quote for a specific company, feel free to go to their quote page and give them your coverage information.
If you are wanting to purchase insurance from a reliable agent, it's important to understand the different types of agencies and how they function. Insurance agents can be described as either independent agents or exclusive agents.
Independent Insurance Agents (or Brokers)
These agents are not restricted to one company and that enables them to quote your coverage through many companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house and you can keep the same agent. If you are comparing rate quotes, you absolutely need to get some free quotes from multiple independent agents so that you have a good selection of quotes to compare. Most can insure with smaller regional carriers which can save you money.
Below is a small list of independent insurance agents in Savannah that may be able to give you free insurance rate quotes.
- Sherrill and Co
7805 Waters Ave # 10A - Savannah, GA 31406 - (912) 353-7200 - View Map
- Remer Lane Insurance
8401 Waters Ave - Savannah, GA 31406 - (912) 352-4444 - View Map
- Aveco Insurance Agency, Llc
121 E Montgomery Cross Rd - Savannah, GA 31406 - (912) 920-7667 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are very knowledgeable on the products they sell which helps offset the inability to provide other markets. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name instead of buying on price only.
Listed below are Savannah exclusive insurance agencies that are able to give price quote information.
- Allstate Insurance: Mickey Rountree
5859 Abercorn St Ste 1 - Savannah, GA 31405 - (912) 356-3815 - View Map
- Lynn Walker - State Farm Insurance Agent
6710 Johnny Mercer Blvd - Savannah, GA 31410 - (912) 897-3333 - View Map
- Dennis Aikens - State Farm Insurance Agent
224 Stephenson Ave d - Savannah, GA 31405 - (912) 353-9121 - View Map
Finding the right insurance agent needs to be determined by more than just a cheap quote. Any agent in Savannah should be willing to answer these questions.
- How long have they been in business?
- Can you choose the body shop in case repairs are needed?
- How long have they worked with personal auto insurance coverage?
- Does the company have a local claim office in Savannah?
- Is their price quote a firm figure or are their hidden costs?
Be persistent and save
Insureds switch companies for a number of reasons such as not issuing a premium refund, policy cancellation, policy non-renewal or delays in responding to claim requests. Regardless of your reason, switching insurance companies can be easy and end up saving you some money.
In this article, we presented many ways to shop for Toyota Corolla insurance online. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding the cheapest Toyota Corolla rate quotes. You may even be surprised to find that the biggest savings come from the smaller companies.
When you buy Savannah car insurance online, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.
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