Have you had enough of trying to scrape together enough money to buy car insurance? You are no different than most other car owners in Georgia. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and get the definite best rates possible.
You need to compare rates once or twice a year because prices change regularly. If you had the best rates on your last policy the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because it’s time to teach you one of the easiest ways to remove unneeded coverages and save money.
Compare Car Insurance Today
Getting a lower price on insurance can be quick and easy. The only thing you need to do is take a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.
- The best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quotation requests to each individual car insurance company. Completing one form gets rate comparisons from many national carriers.
- A different way to find lower rates consists of visiting the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Liberty Mutual, State Farm and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.
For a list of links to insurance companies in Peachtree City, click here.
- The least recommended way of comparing rate quotes is to drive around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you want the trained guidance of a local agent. Drivers can price shop your coverage online but still have the advice of a local agent.
However you get your quotes, double check that you are using apples-to-apples information with each company. If you are comparing different deductibles you will not be able to make an equal comparison in Peachtree City.
Discounts can save BIG
Companies offering auto insurance don’t necessarily list every discount very clearly, so we break down some of the best known and the more hidden car insurance savings. If you’re not getting every credit possible, you are paying more than you should be.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
- Military Rewards – Having a family member in the military may qualify for rate reductions.
- Student in College – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
- Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
- Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because owning a home requires personal responsibility.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Consumers should know that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.
For a list of companies offering car insurance discounts in Georgia, click this link.
To learn even more about car insurance
More tips and info about car insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Consumers can discover disciplinary actions, report car insurance fraud, file complaints about an insurance agent or broker, and download brochures.