Trying to find more competitive car insurance rates in East Point, GA? Overwhelmed by the crazy number of car insurance providers that you can choose from? You have so many options that it is a challenge to find lower car insurance rates on car insurance. East Point is a good city to live in, but having to pay for pricey car insurance makes it difficult to pay other bills every month.
Astonishing but true, over 70% of drivers renewed their policy with the same company for four years or more, and virtually 40% of consumers have never shopped around. Georgia consumers can save almost $1,000 each year by just comparing rate quotes, but they think it's difficult to find lower-cost car insurance rates.
Consumers need to do price comparisons at least once a year because insurance prices change frequently. If you had the best deal on car insurance at your last renewal you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you're about to learn the fastest and easiest way to find great coverage at a great price.
First Step: Get free car insurance quotes
All major car insurance companies allow you to get pricing on their websites. Obtaining pricing can be done by anyone as all you need to do is type in the coverages you want into the form. When complete, their quoting system requests credit information and your driving record and returns a price quote.
Quoting online makes it a lot easier to compare rates and it's also necessary to get many rate quotes if you want to find the cheapest price possible.
To save time and compare rates using this form now, compare rates now from the companies shown below. If you currently have coverage, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This way, you are getting a fair comparison for the exact same coverage.
The following companies offer free quotes in Georgia. If the list has multiple companies, it's a good idea that you get rates from several of them to find the lowest auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$1,018||$509||$85|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,258||$629||$105|
|Dodge Grand Caravan SXT||$1,186||$593||$99|
|Dodge Ram Crew Cab SLT 4WD||$1,218||$609||$102|
|Ford Escape XLS 4WD||$1,032||$516||$86|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,146||$573||$96|
|Ford Focus SES 2-Dr Coupe||$1,558||$779||$130|
|Honda Accord LX-P 4-Dr Sedan||$1,004||$502||$84|
|Honda CR-V EX 4WD||$1,362||$681||$114|
|Honda Civic EX-L 4-Dr Sedan||$1,774||$887||$148|
|Honda Odyssey EX-L W/Navigation||$1,294||$647||$108|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,492||$746||$124|
|Mazda 3 S Sport 4-Dr Hatchback||$1,696||$848||$141|
|Nissan Altima Hybrid 4-Dr Sedan||$1,504||$752||$125|
|Toyota Camry Hybrid||$1,552||$776||$129|
|Toyota Corolla S||$1,468||$734||$122|
|Toyota RAV4 Limited 2WD||$1,236||$618||$103|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices significantly.
Drive responsibly or pay higher rates
The chart below shows how violations and accidents can affect Honda Accord yearly insurance costs for different ages of insureds. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
These discounts can lower your insurance quotes
Car insurance is not cheap, but there's a good chance there are discounts that many consumers don't even know exist. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit. If they aren't giving you every credit you qualify for, you are just wasting money.
- ABS Braking Discount - Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
- Multi-car Discount - Buying coverage for multiple cars on the same insurance policy could earn a price break for each car.
- No Charge for an Accident - This one isn't a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
- Fewer Miles Equal More Savings - Driving less could be rewarded with lower premium rates due to less chance of an accident.
- Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
- Bundled Policy Discount - If you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
Just know that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies wouldn't make money that way.
A few of the larger companies and a selection of discounts are included below.
- Progressive includes discounts for online quote discount, multi-vehicle, homeowner, online signing, and good student.
- Farmers Insurance has savings for bundle discounts, electronic funds transfer, switch companies, homeowner, and pay in full.
- Farm Bureau may offer discounts for multi-vehicle, safe driver, youthful driver, multi-policy, and driver training.
- State Farm offers discounts including safe vehicle, good student, multiple autos, driver's education, good driver, and anti-theft.
- GEICO policyholders can earn discounts including multi-policy, air bags, anti-lock brakes, good student, driver training, and anti-theft.
- SAFECO offers premium reductions for accident prevention training, teen safe driver, homeowner, bundle discounts, safe driver, and anti-lock brakes.
- Liberty Mutual offers discounts for preferred payment discount, multi-policy, new vehicle discount, hybrid vehicle, and safety features.
When quoting, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered in your state. To choose insurers that have a full spectrum of discounts in Georgia, click here to view.
Car insurance is not optional
Despite the potentially high cost of car insurance, maintaining insurance is required by state law in Georgia and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage if you don't want to risk a ticket. 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 bought your vehicle with a loan, it's most likely the lender will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your vehicle at a more expensive rate and require you to fork over much more than you were paying before.
- Insurance protects both your car and your assets. Insurance will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance outweigh the cost, particularly when you have a large claim. Today the average American driver is wasting up to $825 a year so it's recommended you shop around each time the policy renews to make sure the price is not too high.