How to Get Lower Auto Insurance Rates in Smyrna

Searching for the cheapest quotes can be somewhat difficult for vehicle owners who are new to shopping for insurance over the internet. With so many insurance companies available, how can anyone have a chance to compare every company to locate the lowest price?

Sad but true, almost 70% of insureds have remained with the same car insurance company for over three years, and approximately 38% of consumers have never quoted car insurance rates at all. Many consumers in Smyrna can save almost 60% each year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes.

If you have insurance now, you should be able to buy cheaper car insurance using this strategy. Finding and buying the best-priced coverage in Smyrna is quite easy. Nevertheless, Georgia drivers do need to learn how the larger insurance companies determine prices.

Many insurance companies like GEICO, State Farm and Progressive provide pricing direct online. This process is quite simple as all you need to do is type in your coverage preferences into the quote form. Behind the scenes, the system will order credit information and your driving record and gives you a price quote based on the information you submitted.

This helps simplify price comparisons, and it’s also necessary to get many rate quotes if you want to get lower-cost prices.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This ensures you will be getting a rate comparison based on similar coverages.

The companies shown below are ready to provide quotes in Smyrna, GA. If the list has multiple companies, it’s a good idea that you compare several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Smyrna
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 4WD $1,094 $547 $91
Dodge Ram Quad Cab SLT 2WD $1,482 $741 $124
Ford Edge Limited AWD $962 $481 $80
Ford Escape XLT 2WD $1,004 $502 $84
Ford F-150 XLT Regular Cab 2WD $1,078 $539 $90
Ford Focus SES 4-Dr Sedan $1,432 $716 $119
Honda Accord EX 4-Dr Sedan $926 $463 $77
Honda CR-V EX-L 2WD $1,042 $521 $87
Honda Civic GX 4-Dr Sedan $1,568 $784 $131
Jeep Grand Cherokee Limited 4WD $1,178 $589 $98
Kia Optima SX $1,068 $534 $89
Mazda 3 S Grand Touring 4-Dr Hatchback $1,470 $735 $123
Nissan Altima 3.5 SR 4-Dr Sedan $1,158 $579 $97
Toyota Camry LE $1,364 $682 $114
Toyota Corolla XRS $1,320 $660 $110
Volkswagen Jetta 2.0T Station Wagon $1,032 $516 $86
Get Your Own Custom Quote Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific garaging location which can increase or decrease price quotes greatly.

How high should deductibles be?

The diagram below illustrates how your choice of deductibles and can affect Ford Fusion annual premium costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Companies offer money-saving discounts on insurance

Car insurance can cost a lot, but you may be missing some discounts to help bring down the price. A few discounts will be applied at quote time, but some discounts are required to be inquired about before you will receive the discount. If you do not check that you are getting every discount possible, you are paying more than you should be.Insurance discounts

Policy discounts save money, but some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

To locate insurers with the best discounts in Smyrna, follow this link.

Why you need auto insurance

Even though it can be expensive, paying for auto insurance is not optional due to several reasons.

The benefits of having auto insurance are definitely more than the cost, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $810 a year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Special considerations

When quoting and comparing a policy, there really is not a “perfect” insurance plan. You are unique and your policy should reflect that.Car insurance savings
For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

When should I have guidance from an insurance agent?

Certain consumers just prefer to get professional advice from a licensed agent and that is OK! The best thing about comparing rate quotes online is that you can find cheap rate quotes and still have a local agent.

Insurance agents in SmyrnaOnce you complete this short form, your insurance coverage information gets sent to insurance agents in Smyrna that can provide free Smyrna car insurance quotes and help you find cheaper coverage. There is no reason to find an agent because prices are sent directly to you. It’s the lowest rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, you just need to jump over to their website and fill out their quote form.

Finding the right provider is decision based upon more than just the price. Any agent in Smyrna should have no problem answering these questions:

If you need to find a local insurance agency, you must know there are a couple types of insurance agents and how they function. Agencies in Smyrna are either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents that choose to be exclusive generally can only insure with one company like Allstate and State Farm. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are highly trained on what they offer and that allows them to sell at a higher price point. Consumers often buy from exclusive agents mostly because of high brand loyalty and solid financial strength.

Listed below are exclusive agents in Smyrna willing to provide price quote information.

View more Smyrna agents

Independent Agencies or Brokers

Agents of this type are appointed with more than one company so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, they simply move the coverage in-house and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to get some free quotes from several independent agencies to ensure the widest selection of prices. Most also have access to additional companies that you may not be familiar with which may have better rates.

The following are Smyrna independent insurance agencies who can help you get rate quotes.

View more Smyrna agents

If you get good responses to any questions you may have and locked in a price quote, chances are good that you have found a car insurance agent that meets the criteria to properly service your auto insurance policy. Just keep in mind you can always terminate your policy whenever you want so never assume that you’re stuck with a specific company for any length of time.

Claim statistics by make and model

Which vehicles have good claim ratings? The next tables show the best and worst manufacturer models for the overall chance of filing claims.

Manufacturer Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Amount Highest Claim Amount
Mini Cooper Audi RS7
Ford Edge Maserati Ghibli
Smart ForTwo Bently Continental GTC
Ford F-250 SuperCab Nissan GT-R
Chevrolet Colorado Bently Continental GT
Ford F-150 SuperCrew Ferrari 458

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Chevrolet Sonic
Acura MDX Hyndai Accent
Volvo XC60 Mitsubishi Lancer
Mercedes-Benz SL Class Chevrolet Cruze
Subaru Outback Chrysler 200

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Audi A4 Allroad Chevrolet Sonic
Land Rover Range Rover Sport Chrysler 200
Ford F-250 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Corvette Mitsubishi Mirage
Ford F-350 SuperCrew Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Ford F-350 Porsche Panamera GTS
Nissan Leaf Maserati Granturismo
Volvo V60 Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years