Manchester, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Manchester, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Cheapest Auto Insurance Rates in Manchester, GA
Manchester is a beautiful, historic city located 65 miles southwest of Atlanta in the foothills of the Appalachian Mountains and is mere minutes from all major interstates. If you're looking for Manchester, Georgia car insurance, then the options available online can be a little confusing. The cost of car insurance offered by insurance providers may differ from one company to another. The average cost of car insurance in Manchester, GA, is $1,561. The average car insurance cost may vary compared to neighboring cities like Sunset Village, Warm Springs, Woodland, Concord-Molena, Meriwether County, and many more.
The cost varies depending on certain factors like the driver's location, gender and age of the driver, credit history, driving history, and many more. Zimlon, through its research, has explored these factors in detail.
One huge factor that can get you a discount on car insurance in Manchester, GA, is by opting for a high deductible. The deductible is the amount paid by the policyholder before the insurance provider will pay any expenses. Higher deductible leads to a decrease in the car insurance premium. Automobile owners in Manchester, GA, who opted for a deductible of 1000 pay $1,415. In contrast, auto owners who opted for a low deductible of 500 have to pay $1,675. Here, auto owners can save up to $260 by choosing a high deductible.
Refer to the chart below to understand the discount a car owner can avail of by opting for a high deductible in Manchester, GA, and neighboring cities.
Another simple way to save a few dollars on your car insurance in Manchester is by insuring your car with the same carrier, i.e., by availing multi-vehicle discounts. In Manchester, GA, you can save money by bundling car insurance and insuring multiple vehicles under one provider. In Manchester, car insurance providers offer auto insurance rates for $2,747 and $4,121 on a two-vehicle and a three-vehicle bundle, respectively. In Manchester, bundling four vehicles can save $749 on auto insurance rates.
In Manchester, GA, car owners can also save money by avoiding driving under the influence (DUI). DUI includes possession of drugs or alcohol, rash driving, or any regulation violating driving rules. DUI can be an added burden on your pocket as the car insurance in Manchester Post-DUI tends to increase. In Manchester, GA, post-DUI, the car insurance cost is $2,854. So, if the auto owner is convicted of DUI in Manchester, GA, they have to pay $1,293 extra on the average auto insurance rate.
Factors that can influence the cost of car insurance in Manchester, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Manchester, GA Auto Insurance Rates
- Manchester, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Manchester, GA
- Multi Vehicle Insurance Savings in Manchester, GA
- How Credit Score Affects Car Insurance Rates in Manchester, GA
- How DUI Affects Auto Insurance Premiums in Manchester, GA
- Top Auto Insurance Agents Near Manchester, GA
- How Driving Violations Affect Auto Insurance Rates in Manchester, GA
- Manchester, GA Auto Insurance Discounts on Anti Theft Feature
Manchester, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Manchester, GA with that of other cities in and around Manchester.
| Manchester | Sunset Village | Warm Springs | Woodland | Meriwether County | Concord-Molena | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,561 | $1,582 | $1,595 | $1,572 | $1,578 | $1,614 |
Manchester, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Manchester, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Manchester | $1,675 | $1,415 |
| Woodbury | $1,248 | $1,054 |
| Molena | $1,418 | $1,198 |
| Sunset Village | $1,025 | $866 |
| Meriwether County | $979 | $827 |
| Woodland | $1,409 | $1,190 |
| Warm Springs | $1,430 | $1,208 |
| Concord-Molena | $1,445 | $1,221 |
Manchester, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Manchester, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,065 |
| 20 Years | $2,006 |
| 30 Years | $1,545 |
| 40 Years | $1,486 |
| 50 Years | $1,376 |
| 60 Years | $1,396 |
| 70 Years | $1,625 |
Manchester, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Manchester, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,747 | $375 |
| 3 Vehicles | $4,121 | $562 |
| 4 Vehicles | $5,495 | $749 |
Savings on 2 Vehicles bundle:$375
Savings on 3 Vehicles bundle:$562
Savings on 4 Vehicles bundle:$749
Manchester, GA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Manchester, GA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Manchester | $1,561 | $2,854 |
| Woodbury | $1,561 | $2,854 |
| Molena | $1,582 | $2,892 |
| Sunset Village | $1,582 | $2,892 |
| Meriwether County | $1,578 | $2,885 |
| Woodland | $1,572 | $2,874 |
| Warm Springs | $1,595 | $2,916 |
| Concord-Molena | $1,614 | $2,951 |
Manchester, GA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,339 |
| Excellent (740-799) | $1,529 |
| Good (670-739) | $1,627 |
| Average (580-669) | $2,122 |
| Poor (300-579) | $2,546 |
Manchester, GA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Buddy Drakeford | State Farm | 1895 Phoenix Blvd Ste 306, Atlanta, 30349-5185 | 770-994-6500 |
| Spears Insurance | Allstate | 747 Gardenview Dr, Pine Mountain, 31822 | (706) 489-3071 |
| Fairburn Insurance Agency, Inc. | None | 130 Washington St, Fairburn, 30213 | None |
| Daravy Beng | Allstate | 5299 Jonesboro Rd Ste 105, Morrow, 30260 | (404) 963-6933 |
| Jennifer Williams | State Farm | 6233 Jonesboro Rd, Morrow, 30260-1753 | 770-961-0140 |
| First Priority Insurance Agency | Travelers | 1510 S LAKE PKWY STE 1H, MORROW, 30260 | 678-369-6200 |
| Acg South Insurance Agency Llc | Travelers | 1500 MT ZION RD STE 205, MORROW, 30260 | 800-891-4222 |
| Tara Financial Group Inc | Travelers | 191 N Main St, Jonesboro, 30236 | None |
| Bb&T - Reese Insurance | Travelers | 741 W LANIER AVE STE 100, FAYETTEVILLE, 30214 | 770-471-7100 |
Manchester, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$69 | $1,630 |
| Driver's Failure In Showing Documents | +$151 | $1,712 |
| Driving With An Expired Registration | +$161 | $1,722 |
| Driving At A Considerably Slow Pace | +$339 | $1,900 |
| Using A Cellphone While Driving | +$357 | $1,918 |
| Running A Red Light | +$364 | $1,925 |
| Speeding | +$382 | $1,943 |
| Driving A Vehicle Without The Required Permission | +$485 | $2,046 |
| Driving With An Expired/Suspended License | +$1,052 | $2,613 |
Manchester, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,499 |
| Active Disabling Device | $1,499 |
| Tracking Device | $1,467 |
| Passive Disabling Device | $1,452 |