Having to pay for overpriced car insurance can drain your personal savings and force you to make sacrifices. Comparing rate quotes can be a smart way to tighten up your finances.
With so many options when it comes to car insurance, it is hard for the average consumer to find the lowest cost car insurance provider.
Car insurance discounts are available to cut your rates
Car insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some must be manually applied before being credited.
- Multiple Policy Discount – If you can combine your auto and home policy with the same company you could get a discount of as much as 10 to 15 percent.
- Safe Driver Discounts – Safe drivers may receive a discount up to 45% compared to accident prone drivers.
- Discounts for New Vehicles – Insuring a new car may earn a small discount because new vehicles have to meet stringent safety requirements.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Driver Education Discount – Require your teen driver to successfully complete driver’s ed class in school.
- Include Life Insurance and Save – Some insurance companies give a discounted premium rate on car insurance if you buy auto and life insurance together.
Don’t be shocked that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, it doesn’t quite work that way.
To see companies that offer discounts in Kingsland, click here to view.
The most recommended method to compare policy rates is to take advantage of the fact most insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is give them some information such as whether you have decent credit, the year, make and model of vehicles, the ages of drivers, and whether you drive to work or school. The rating information is sent automatically to many highly-rated insurers and you should receive rate quotes quickly.
To start a quote now, click here and complete the form.
Independent versus captive auto insurance agents
A small number of people still prefer to talk to a local agent and that can be a great decision One of the best bonuses of comparing insurance prices online is that drivers can save money and get the best rates and also buy local.
Once you complete this form (opens in new window), the quote information is transmitted to local insurance agents in Kingsland who will give you quotes for your coverage. There is no need to contact an agency as quotes are delivered directly to you. You can find better rates AND an agent nearby. If for some reason you want to quote rates from a specific company, just find their quoting web page and fill out their quote form.
Finding a good company should depend on more than just the quoted price. These are some questions your agent should answer.
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they assist clients in filing claims?
- When do they do policy reviews?
- Is there a local claims center in Kingsland?
- Will you get a loaner vehicle if you car is being repaired?
Different types of car insurance agents in Kingsland
When looking for a reliable insurance agent, you should know the types of agencies from which to choose. Kingsland agents can either be independent or captive depending on the company they work for.
These type of agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Captive agents receive a lot of sales training on what they offer which aids in selling service over price.
The following are Kingsland captive agencies that can give you rate quotes.
Farm Bureau Insurance – 180 Mariners Dr – Kingsland, GA 31548 – (912) 882-3342
Independent Agents (or Brokers)
Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent. If you are trying to find cheaper rates, you should always include rate quotes from at a minimum one independent agency for maximum quote selection.
Listed below is a short list of independent insurance agents in Kingsland that can give you rate quotes.
Jane W Brown Insurance – 2475 Village Dr # 111 – Kingsland, GA 31548 – (912) 882-5454
Brooks Joiner Insurance – 103 S Lee St – Kingsland, GA 31548 – (912) 729-5548
For more Kingsland insurance agents, see this page of Kingsland Georgia car insurance agencies.
Once you have received answers to your satisfaction to any questions you have and an acceptable price quote, you have narrowed it down to an auto insurance agent that can be relied on to provide car insurance coverage.
Coverages available on your car insurance policy
Learning about specific coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your vehicle.
Because many people have only the minimum liability required by law (25/50/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like rock chips in glass, theft and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability car insurance
This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things such as medical services, loss of income, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Georgia requires drivers to carry at least 25,000/50,000/25,000 but you should consider buying better liability coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for bills like prosthetic devices, funeral costs, doctor visits, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Collision coverage protection
This coverage pays for damage to your vehicle caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as crashing into a building, damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Compare but don’t skimp
Cheap car insurance is possible both online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer rates over the internet and many times these small, regional companies provide coverage only through local independent agents.
We just covered many tips how you can lower your car insurance prices. It’s most important to understand that the more price quotes you have, the higher your chance of finding . You may even find the lowest prices come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.
To learn even more about car insurance
Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can view agent and company licensing information, learn about specific coverages, and file complaints about a company.