Do you want a faster way to compare the cheapest car insurance rates in LaGrange, GA? Locating the cheapest insurance for a car in Georgia can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy car insurance so you're going to learn the best way to price shop coverage on a and obtain the lowest price.

Choosing the most cost-effective car insurance policy in LaGrange is much easier if you know where to start. If you have insurance now or need a new policy, use these tips to get lower rates while maintaining coverages. Comparison shoppers just need to understand the most effective way to compare price quotes using one simple form.

The companies shown below offer price quotes in LaGrange, GA. If several companies are displayed, we recommend you compare several of them in order to find the most affordable rates.

Insurance Rates for Popular Vehicles in LaGrange
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,040 $520 $87
Dodge Grand Caravan SXT $1,224 $612 $102
Dodge Ram Quad Cab Sport 4WD $1,210 $605 $101
Ford Escape Limited 4WD $1,094 $547 $91
Ford F-150 STX Regular Cab 2WD $1,286 $643 $107
Ford Focus S 4-Dr Sedan $1,218 $609 $102
GMC Sierra SLE Crew Cab 4WD $1,514 $757 $126
Honda Accord LX 4-Dr Sedan $1,096 $548 $91
Honda CR-V EX-L 2WD $1,188 $594 $99
Honda Civic SI 4-Dr Sedan $1,152 $576 $96
Honda Odyssey EX W/Rear Entertainment $1,368 $684 $114
Hyundai Sonata GLS 4-Dr Sedan $1,372 $686 $114
Mazda 3 S Sport 4-Dr Hatchback $1,116 $558 $93
Nissan Altima 3.5 SR 4-Dr Sedan $982 $491 $82
Toyota Camry Hybrid $1,188 $594 $99
Toyota Corolla XLE $1,432 $716 $119
Toyota Prius $988 $494 $82
Toyota Tacoma Double Cab 4WD $1,098 $549 $92
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in vehicle location which can revise auto insurance rates noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates may help to illustrate the premium difference of buying low and high deductibles. The first rate quote example uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $338 $612 $394 $24 $118 $1,511 $126
Altima 2.5 S 4-Dr Sedan $338 $720 $394 $24 $118 $1,619 $135
Altima Hybrid 4-Dr Sedan $382 $720 $394 $24 $118 $1,663 $139
Altima 2.5 S 2-Dr Coupe $382 $720 $444 $26 $134 $1,731 $144
Altima 3.5 SR 4-Dr Sedan $382 $720 $394 $24 $118 $1,663 $139
Altima 3.5 SR 2-Dr Coupe $382 $830 $444 $26 $134 $1,841 $153
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Nissan Altima insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $188 $322 $394 $24 $118 $1,046 $87
Altima 2.5 S 4-Dr Sedan $188 $380 $394 $24 $118 $1,104 $92
Altima Hybrid 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Altima 2.5 S 2-Dr Coupe $212 $380 $444 $26 $134 $1,196 $100
Altima 3.5 SR 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Altima 3.5 SR 2-Dr Coupe $212 $438 $444 $26 $134 $1,254 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can influence premiums noticeably.

Based on the figures above, using a $100 deductible will cost you about $44 more each month or $528 a year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 20 months between claims, you would come out ahead if you elect the higher deductible.

Driving violations and accidents

The illustration below demonstrates how speeding tickets and accident claims drive up Nissan Altima insurance rates for each age group. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Determine discounts to get cheap LaGrange car insurance quotes

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many consumers don't even know exist. Certain reductions will be credited when you quote, but once in a while a discount must be asked about in order for you to get them.Car insurance discounts

You can save money using discounts, but some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it's possible to get free car insurance, it's just not the way it works.

A list of car insurance companies and the discounts they provide are detailed below.

Before purchasing a policy, check with all the companies how many discounts you can get. A few discounts might not be offered in LaGrange. To view car insurance companies that offer discounts in LaGrange, follow this link.

Auto insurance is not optional but you don't have to overpay

Despite the high cost, auto insurance is not optional due to several reasons.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in Georgia overpays as much as $825 a year so compare rate quotes every year to ensure rates are inline.