Paying for high-priced car insurance can dwindle your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to cut your insurance bill. You have so many auto insurance companies to pick from, and even though it’s nice to have a selection, it can be more difficult to find the lowest rates.
Smart consumers take time to do rate comparisons occasionally because rates change regularly. Even if you think you had the lowest price a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.
Take advantage of discounts
Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but a few must be asked for before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
- Club Memberships – Belonging to a qualifying organization could qualify you for a break on car insurance.
- Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up on their website.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
- Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce your overall premium however.
Finding Car Insurance in Smyrna, GA
There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in Smyrna, or you could use the internet to get prices fast.
The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company then returns a price quote. This system prevents you from having to do quote requests for every car insurance company. To compare rates now click to open in new window.
The one disadvantage to pricing coverage this way is you can’t choose the providers to get pricing from. So if you want to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in Georgia. View list of Georgia insurance companies.
However you get your quotes, double check that you are using the exact same coverage information for every quote you compare. If you have different deductibles you can’t possibly determine which rate is truly the best in Smyrna.
More comparisons equals lower rates
In this article, we covered a lot of tips how to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the best prices are with a small mutual company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped physical damage coverage only to regret they didn’t have enough coverage. The aim is to find the BEST coverage for the lowest price while still protecting your assets.