Is Your Waycross, GA Car Insurance Too High? Here is How to Save Money

Searching for the most affordable Waycross car insurance on the internet might appear challenging for vehicle owners that are not comfortable with quoting and comparing and buying car insurance over the internet. With such a large number of companies competing online, how can vehicle owners have time to compare every one to find the best price?

It is always a good idea to quote other rates periodically since prices tend to go up over time. Even if you think you had the best rate a year ago you can probably find a better premium rate now. You’ll find a ton of advice on car insurance online but in just a couple of minutes you can learn some guaranteed methods to stop overpaying for insurance.

You may qualify for discounts

Insuring your fleet can be pricey, but there may be some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you complete an application, but occassionally some discounts must be asked about prior to getting the savings. If you do not check that you are getting every discount available, you could be getting lower rates.

  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get cheaper prices.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • No Accidents – Drivers who don’t have accidents get the best car insurance rates in comparison to bad drivers.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better rates if you take out life insurance.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
  • Discounts for Multiple Vehicles – Buying coverage for all your vehicles with the same car insurance company can reduce the rates for all insured vehicles.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Early Renewal Discounts – Some larger companies give discounts for switching companies before your current coverage expires. It can save you around 10%.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

Insurance companies that have some of the above discounts may include but are not limited to:

If you need lower rates, check with each company or agent which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders everywhere.

Don’t listen to company ads

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all convey the message that drivers can save some big amount after switching to their company. How do they all claim to save you money? Here is the trick they use.

All companies give the cheapest rates for the type of driver that will most likely be profitable. One example of a preferred risk should be over the age of 45, owns their home, and drives a lower-performance vehicle. A propective insured who meets those qualifications will get a cheap rate quote and will save some money.

Insureds who may not quite match these standards may be required to pay higher premium rates and this can result in business going elsewhere. The trick companies use is to say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can truthfully advertise the way they do.

Because every company is different, you really should compare many company’s auto insurance rates. It’s impossible to know the company that will be your best fit.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can find out which companies have the most complaints, get help finding coverage, and learn about insurance regulations.

Additional helpful sites include III.org’s auto insurance page and this resource to find Waycross, GA insurance agents.

save money in Waycross Georgia

More effort can pay off

You just read some good ideas how to save on car insurance. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the lowest priced car insurance comes from an unexpected company.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy enough coverage at the best price.

Drivers switch companies for a variety of reasons including high rates after DUI convictions, policy cancellation, questionable increases in premium and delays in responding to claim requests. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.