Shopping for the cheapest Columbus auto insurance over the internet may be rather challenging for beginners to comparing rates online. Since there are so many companies in the marketplace, how can anyone have a chance to compare every company to locate the lowest rates?
Finding affordable coverage in Columbus is quite easy. In a nutshell, anyone who is shopping for auto insurance will most likely be able to reduce their rates. Although Georgia car owners do need to understand the way insurance companies price online insurance and apply this information to your search.
How to Buy Columbus Auto Insurance Online
Most companies provide price estimates on their websites. Obtaining pricing is quite easy as you just enter your coverage information into the quote form. Behind the scenes, their rating system gets your credit score and driving record and returns pricing information based on these and other factors.
Quoting online makes it a lot easier to compare rates but the work required to visit different websites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible in order to get the best price on auto insurance.
There is a better way!
A more efficient way to locate the lowest prices uses one simple form that gets prices from multiple companies. This type of form saves time, reduces the work, and makes rate comparisons a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any one of the quotes returned. If you find a better price you can simply submit the application and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.
To quickly find out what other companies charge, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you complete the form with the limits and deductibles as close as possible to your current policy. This helps ensure you are getting a rate comparison based on the exact same insurance coverage.
Take discounts and save
Companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on auto insurance.
- Organization Discounts – Being a member of a civic or occupational organization could trigger savings when shopping for auto insurance.
- Multiple Policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
- Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
- Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
- Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
- Accident Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.
To choose insurers with discount auto insurance rates in Columbus, click here.
Which policy gives me the best coverage?
When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
For example, these questions can help discover whether you may require specific advice.
- What vehicles should carry emergency assistance coverage?
- Does my policy cover my teen driver if they drive my company car?
- Should I buy more coverage than the required Georgia minimum liability coverage?
- Why is insurance for a teen driver so high in Columbus?
- Am I covered when driving someone else’s vehicle?
- Why am I required to get a high-risk car insurance policy?
- Do I have coverage when making deliveries for my home business?
- When does my teenage driver need to be added to my policy?
- Is business equipment covered while in my vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.
More sites with auto insurance information
More detailed Georgia auto insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read consumer alerts.
Other useful links include this page for auto insurance in Georgia and this page where you can also get Columbus auto insurance quotes.