Best Cheap Insurance for a Toyota Corolla in Georgia

Your chances of finding cheaper insurance for a Toyota Corolla in Georgia depends on a large number of rating criteria like how old the Corolla is, if you are currently insured, and any prior driving offenses. Georgia drivers pay on average $1,160 per year to insure a Corolla, but that cost is a valuation calculated using a 40-year-old single male that wants full coverage and $500 physical damage deductibles.

There’s a good chance you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you live in a different part of Georgia than the example. Just a minor change in the criteria used to calculate rates can create big changes in the policy cost.

Auto insurance is not “one size fits all”, so the best method for finding the cheapest coverage for your Toyota is to make a habit of comparing prices at least once a year.

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Your vehicle’s trim level tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Corolla LE trim level will cost $32 less than the cost to insure the more costly Corolla XRS model, as shown in the prices below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in your specific Georgia location which can raise or lower premium rates considerably.

Deciphering which companies quote the cheapest insurance rates for a Toyota Corolla will involve a little more effort than just getting one or two price quotes. Every insurance company uses different criteria for setting prices, so let’s rank the insurance companies that tend to have lower prices in Georgia.

It’s important to understand that Georgia insurance rates are impacted by many things that can increase the cost of coverage. Improving your credit rating, buying a home, or getting a reckless driving citation may cause policy rate changes that may make certain companies cheaper in comparison to the competition.

Best Car Insurance Prices for Your Corolla

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Auto-Owners may have some of the most affordable car insurance rates in Georgia at around $830 annually. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the lowest-priced Georgia insurance companies.

In the rate table above, if you have coverage with The Hartford and switched to Auto-Owners, you may realize a yearly savings of in the vicinity of $56. Georgia drivers with USAA could save as much as $168 a year, and Central Mutual policyholders might reduce rates by $363 a year.

To find out how much you can save, click here to get a free quote or quote rates from the companies below.

Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rate value for a Toyota Corolla. So the company that is most affordable for your situation may not even be in the above rate chart. That is why you need to get quotes using your own driver information and specific vehicle type.

Safe drivers Georgia pay cheaper rates

One of the best ways to find the best cheap insurance for a Toyota Corolla in Georgia is to drive safe and not get tickets or have accidents. The diagram below shows how speeding tickets and at-fault claims can drive up insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

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In the example above, the average cost of auto insurance per year with no accidents or violations is $2,874. Receive two speeding tickets and the average cost hikes up to $3,824, an increase of $950 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Toyota Corolla goes up to an average of $7,115. That’s an increase of $4,241, or $353 per month, just for not keeping your driving record clean!

Which auto insurance company is best?

If you’re looking for the best insurance for a Corolla in Georgia, four good companies to start with are State Farm, Progressive, Allstate, and Geico. They all offer unique features and discounts that may influence which company you choose. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages that are available.

How to get the best cheap insurance for a Toyota Corolla in Georgia

The list below details some money-saving solutions that can help you get the cheapest coverage.

• You will pay more if you get tickets or have at-fault accidents
• Don’t waste money on full coverage for older vehicles
• Raise your physical damage coverage deductibles
• Frequent claims may make car insurance unaffordable
• Accident-free drivers may qualify for discounts
• Compare prices frequently to find the best deal

The last item on the list is extremely critical, as we emphasized in the prior article. Coverage rates can change significantly in a year, so drivers shouldn’t be resistant to switch to a new company if a cheaper price is available. Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing a small fortune. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Toyota Corolla.

Who has the cheapest Toyota Corolla insurance quotes?

There are a variety of different ways to comparison shop for insurance in Georgia, but the most prevalent are through an independent agent, a captive (or exclusive) agency such as State Farm or Auto-Owners, or direct from companies such as Geico or Progressive. All three ways can provide insurance quotes, but insurance shoppers should know the differences in how they price policies.

Independent agencies have contracts with many companies and can quote your policy with all of them. They are not restricted to one company and can compare multiple rates, which can help you get a better chance of finding cheaper coverage. If prices rise, they simply switch companies in-house and you don’t have to do anything.

Exclusive agents are able to quote prices with a single company, examples being Allstate or Farmers Insurance agents. These guys and gals cannot provide rates from more than one company, so you need to shop around if the rates are high.

Consumers who buy insurance direct skip local agents and buy direct from companies such as Geico or Esurance. This option may be the best choice drivers who do not need advice for risk management and know more than average about what coverages they need.

So comparing independent agents, exclusive agents, and direct, which one works best to find the best cheap insurance for a Toyota Corolla in Georgia? Our initial answer would be buying direct results in the best prices since there isn’t an agent involved, but in reality, that is not the case. A valid argument could also be made that buying insurance from an independent agent results in the best rates since they can provide multiple quotes, but again, that’s not accurate. In many cases, the exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Due to that fact that insurance uses so many rating variables, really the only way to get the cheapest rates is to get quotes and compare the rates. To find the best rates, be sure to get price quotes all three ways to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.