Ringgold, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ringgold, 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.
Super Cheap Car Insurance Rates in Ringgold, GA
The average cost of car insurance in Ringgold, GA, is $1,638. This cost is higher than most nearby locations like Fort Oglethorpe-Lakeview, Tunnel Hill, Catoosa County, Catoosa Springs, and Fort Oglethorpe. Zimlon’s research found that car owners in Ringgold, GA, can get super cheap auto insurance rates and discounts by considering factors like driver’s age, vehicle’s make and model, and credit scores. These factors and associated discounts are explored in detail by Zimlon below.
Multi-Car Insurance Discounts:
Auto Insurance companies offer attractive discounts on multi-car insurance policies and bundling. In Ringgold, GA, car owners can also save more by purchasing their life, auto, and home insurance from the same insurance company. Below is Zimlon’s analysis of average savings one can obtain on multi-vehicle insurance in Ringgold, GA.
Anti-Theft Feature Discounts:
Vehicles equipped with safety devices are less prone to theft. Therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. Zimlon’s research found that car owners in Ringgold, GA, can get super cheap car insurance by installing anti-theft features like passive disabling devices or tracking device features. After installing safety features like an audible alarm or an active disabling device, the average insurance cost comes up to $1,572. Additional features like a tracking device or passive disabling device can reduce the average insurance costs to $1,540 and $1,523, respectively, in Ringgold, GA.
Age of the Driver:
Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them less responsible behind the wheels. The average insurance cost for a teenager in Ringgold, GA, is $5,315, whereas drivers between 30-50 pay less than $1,700. In Ringgold, GA, car owners can get various discounts by comparing multiple age of the driver-based policies. These discounts include good student discounts, safe driver discounts, and defensive driving discounts.
Deductibles:
Deductibles are one of the most common factors influencing the cost of auto insurance. Car owners in Ringgold, GA, can get super cheap car insurance by considering this factor. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Ringgold, GA, on a low deductible of $500 is $1,668, and this cost decreases to $1,409 when the deductible is $1,000.
Credit Scores:
In Ringgold, GA, car owners can get super cheap car insurance by accounting for their credit scores. Auto insurance companies also provide considerable discounts to car owners with a higher positive credit score and a clean driving history. According to Zimlon’s analysis, in Ringgold, GA, having an “excellent” credit score reduces insurance costs to $1,604, and with a “good” credit score, car owners spend $1,707. Whereas a “poor” score may increase the insurance cost to $2,672 in Ringgold, GA.
Factors that can influence the cost of car insurance in Ringgold, 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.
- Ringgold, GA Auto Insurance Rates
- Ringgold, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ringgold, GA
- Multi Vehicle Insurance Savings in Ringgold, GA
- How Credit Score Affects Car Insurance Rates in Ringgold, GA
- How DUI Affects Auto Insurance Premiums in Ringgold, GA
- Top Auto Insurance Agents Near Ringgold, GA
- How Driving Violations Affect Auto Insurance Rates in Ringgold, GA
- Ringgold, GA Auto Insurance Discounts on Anti Theft Feature
Ringgold, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ringgold, GA with that of other cities in and around Ringgold.
| Ringgold | Fort Oglethorpe-Lakeview | Tunnel Hill | Catoosa County | Catoosa Springs | Fort Oglethorpe | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,638 | $1,590 | $1,604 | $1,627 | $1,627 | $1,611 |
Ringgold, 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 Ringgold, 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) |
|---|---|---|
| Ringgold | $1,668 | $1,409 |
| Catoosa County | $1,986 | $1,677 |
| Boynton Ridge | $1,069 | $903 |
| Indian Springs | $1,585 | $1,339 |
| Catoosa Springs | $929 | $785 |
| Fort Oglethorpe | $1,421 | $1,201 |
| Tunnel Hill | $1,178 | $995 |
| Fort Oglethorpe-Lakeview | $2,139 | $1,807 |
Ringgold, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ringgold, 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 | $5,315 |
| 20 Years | $2,105 |
| 30 Years | $1,621 |
| 40 Years | $1,560 |
| 50 Years | $1,444 |
| 60 Years | $1,464 |
| 70 Years | $1,705 |
Ringgold, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ringgold, 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 | $2,817 | $459 |
| 3 Vehicles | $4,226 | $688 |
| 4 Vehicles | $5,635 | $917 |
Savings on 2 Vehicles bundle:$459
Savings on 3 Vehicles bundle:$688
Savings on 4 Vehicles bundle:$917
Ringgold, 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 Ringgold, GA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ringgold | $1,638 | $2,994 |
| Catoosa County | $1,627 | $2,974 |
| Boynton Ridge | $1,643 | $3,004 |
| Indian Springs | $1,624 | $2,969 |
| Catoosa Springs | $1,627 | $2,974 |
| Fort Oglethorpe | $1,611 | $2,945 |
| Tunnel Hill | $1,604 | $2,932 |
| Fort Oglethorpe-Lakeview | $1,590 | $2,907 |
Ringgold, 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) | $1,405 |
| Excellent (740-799) | $1,604 |
| Good (670-739) | $1,707 |
| Average (580-669) | $2,227 |
| Poor (300-579) | $2,672 |
Ringgold, 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 |
|---|---|---|---|
| Brock Insurance Agency Inc | Liberty Mutual Independent | 823 CHICKAMAUGA AVE, ROSSVILLE, 30741 | (706) 866-3394 |
| Greg Seibenhener | Allstate | 2855 Battlefield Pkwy, Fort Oglethorpe, 30742 | (706) 866-9299 |
| Sharon Love | Allstate | 607 Sheridan Ave, Dalton, 30721 | (706) 278-4558 |
| Aaron Stiles | State Farm | 4215 Cloud Springs Rd, Ringgold, 30736-8413 | 706-419-8108 |
| Mike Herndon | State Farm | 8010 Hwy 27 North, Rock Spring, 30739-0719 | 706-375-7970 |
| [ | A | R, B, s | |
| Advanced Insurance Strategies, Llc | None | 200 West Crawford Street , Dalton, 30720 | None |
| Garner & Glover Company | Travelers | 135 E EIGHTH AVE, ROME, 30161 | 706-291-7380 |
| Julie Svardh | State Farm | 1515 Dean Ave SE, Rome, 30161-7103 | 706-290-9044 |
| Lee Dendy | Allstate | 75 Poplar Springs Rd, Ringgold, 30736 | (706) 937-3333 |
| Denson Insurance Agency | Travelers | 150 N MAIN ST, JASPER, 30143 | 706-692-6451 |
| Greeson Insurance Associatess | None | 421 S Wall St, Calhoun, 30701 | None |
Ringgold, 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 | +$72 | $1,710 |
| Driver's Failure In Showing Documents | +$159 | $1,797 |
| Driving With An Expired Registration | +$169 | $1,807 |
| Driving At A Considerably Slow Pace | +$355 | $1,993 |
| Using A Cellphone While Driving | +$375 | $2,013 |
| Running A Red Light | +$382 | $2,020 |
| Speeding | +$401 | $2,039 |
| Driving A Vehicle Without The Required Permission | +$509 | $2,147 |
| Driving With An Expired/Suspended License | +$1,104 | $2,742 |
Ringgold, 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 | $1,572 |
| Active Disabling Device | $1,572 |
| Tracking Device | $1,540 |
| Passive Disabling Device | $1,523 |