Cheap Rates on Dunwoody Car Insurance

Are you tired of trying to find more competitive auto insurance rates in Dunwoody, GA? Getting the cheapest quotes on the internet may be overwhelming for vehicle owners who are new to buying insurance over the internet. With a ridiculous number of companies competing online, how are vehicle owners able to efficiently compare every auto insurance company to find better rates?

Astonishing but true, most auto insurance buyers kept their coverage with the same auto insurance company for well over three years, and almost 40% of drivers have never even compared rates from other companies. With the average auto insurance premium being $1,722, Dunwoody drivers could save themselves about $1,000 a year by just comparing rate quotes, but they just don’t want to find affordable auto insurance rates.

If you already have coverage, you will most likely be able to reduce the price you pay using the ideas presented in this article. Comparing rates for the most affordable coverage in Dunwoody is simple if you know the tricks. Nevertheless, Georgia drivers must understand the way insurance companies compete online because rates fluctuate considerably.

Best companies for Georgia auto insurance

The companies shown below offer free rate quotes in Georgia. If multiple companies are shown, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Dunwoody
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,196 $598 $100
Dodge Ram Crew Cab Laramie 4WD $1,616 $808 $135
Ford Escape XLS 4WD $926 $463 $77
Ford Explorer XLT AWD $1,300 $650 $108
Ford F-150 XL Regular Cab 2WD $1,050 $525 $88
Ford Focus S 4-Dr Sedan $1,368 $684 $114
Honda Accord EX 4-Dr Sedan $772 $386 $64
Honda CR-V EX-L 2WD $1,042 $521 $87
Honda Civic VP 4-Dr Sedan $1,284 $642 $107
Hyundai Elantra SE 4-Dr Sedan $1,250 $625 $104
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,286 $643 $107
Kia Optima LX $1,486 $743 $124
Nissan Altima 2.5 S 4-Dr Sedan $1,448 $724 $121
Toyota Camry LE $1,326 $663 $111
Toyota Corolla LE $982 $491 $82
Toyota Prius $1,116 $558 $93
Volkswagen Jetta S 4-Dr Sedan $1,200 $600 $100
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 claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in your specific Dunwoody location which can modify insurance rates significantly.

What determines the cost of auto insurance?

Lots of things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are more obscure such as whether you are married or how financially stable you are. An important part of buying insurance is that you know the factors that come into play when calculating your premiums. If you know what determines premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are some of the factors auto insurance companies consider when setting prices.

Higher coverage deductibles lower costs – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some coverage claims could be a dented fender, hitting a deer, and damage from a fallen tree branch. The deductibles are the amount of money you are required to pay if the claim is covered. The larger the amount the insured has to pay upfront, the lower your rates will be.

Auto insurance policy lapses increase prices – Not maintaining insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will rates go up, not being able to provide proof of insurance can result in a revoked license or a big fine.

Save money with alarms and GPS tracking – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

Protect yourself with liability insurance – Your auto insurance policy’s liability coverage will provide protection in the event that a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Gender and insurance prices – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. They both get in auto accidents in similar numbers, but men get into accidents with more damage. Men also statistically get higher numbers of serious violations like reckless driving and DUI. Male teenagers are several times more likely to be in an accident and therefore are the most expensive to insure.

Married drivers get better costs – Getting married may earn you lower rates when shopping for auto insurance. It translates into being more mature and responsible and it’s proven that being married results in fewer claims.

Prices impacted by vehicle usage – The more miles you rack up on your car in a year the higher your rates will be. Almost all companies calculate rates based upon how much you drive. Vehicles that have low annual miles cost less to insure than those that get driven frequently. Verify your auto insurance policy is rated on the right rating data.

Don’t overlook these car insurance discounts

Car insurance companies don’t necessarily list the complete list of policy discounts very clearly, so the below list has some of the more common as well as the least known credits available to you.Car insurance discounts

Please keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts should help reduce your premiums.

To find companies who offer online car insurance quotes in Dunwoody, follow this link.

Car insurance quotes from neighborhood Dunwoody auto insurance agents

Some consumers still prefer to talk to an insurance agent and that is a smart decision One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still choose a local agent.

Insurance agents in DunwoodyTo find an agent, once you fill out this short form, your insurance data is instantly submitted to companies in Dunwoody that provide free Dunwoody auto insurance quotes for your insurance coverage. You don’t have to drive around as quotes are delivered immediately to you. You can get cheaper car insurance rates without requiring a lot of work. If for some reason you want to get a price quote for a specific company, you just need to jump over to their website and submit a quote form there.

Finding a good company requires more thought than just a cheap quote. Before buying a policy in Dunwoody, get answers to these questions.

Insurance losses by coverage

Which vehicle models have a high chance of claims? The claim statistics below list the highest and lowest models for the overall chance of having claims for each type of coverage listed.

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Audi RS7
Ford F-150 SuperCrew Maserati Ghibli
Nissan Xterra Nissan GT-R
Jeep Wrangler BMW M6
GMC Canyon Maserati Granturismo
Ford F-250 SuperCab Bently Continental GT

Statistics from for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Mitsubishi Mirage
Audi A4 Allroad Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 2500 Chrysler 200
Chevrolet Corvette Chevrolet Spark

Statistics from for 2013-2015 Model Years

Comprehensive Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 BMW M6
Smart ForTwo Maserati Quattroporte
Infiniti QX50 Bentley Continental GTC
Nissan Xterra Bentley Continental GT
Chevy Spark Mercedes-Benz S Class
Chevy Silverado 2500 Porsche Panamera GTS

Statistics from for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chevrolet Cruze
Subaru Outback Dodge Charger
Mercedes-Benz SL Class Kia Rio
Fiat 500 Mitsubishi Lancer
Subaru Forester Chevrolet Sonic
Acura MDX Chrysler 200

Statistics from for 2013-2015 Model Years

You can lower your car insurance rates

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, high prices and delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.

We just covered a lot of information how to compare car insurance prices in Dunwoody. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost Dunwoody auto insurance quotes. You may even find the best price on car insurance is with some of the smallest insurance companies.

Discount car insurance in Dunwoody can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not have price quotes online and these small insurance companies prefer to sell through independent agencies.

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