Cheaper Georgia Auto Insurance Rates in Five Minutes

Where can I find cheaper Georgia auto insurance rates? That is a common question often asked and the answer may surprise you.

It’s smart to do rate comparisons quite often since rates go up and down regularly. Even if you got the lowest rates last year there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate the proper way to eliminate unnecessary coverages and save money.

Finding affordable protection is easy if you know what you’re doing. In a nutshell, everyone who carries auto insurance will most likely be able to reduce their rates. Nevertheless, Georgia vehicle owners must understand how big insurance companies price online insurance and use this information to your advantage.

Which Auto Insurance is Cheapest?

Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the most efficient way to do it. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company then returns a price quote. This prevents consumers from doing multiple quotation requests for every auto insurance company.

To participate in this free quote system, click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the companies you want to price. If you wish to select specific providers to receive pricing from, we have a page of auto insurance companies in Georgia. Click to view list.

However you get your quotes, make absolute certain that you use identical coverage information for each comparison quote. If you are comparing higher or lower deductibles you can’t possibly determine the best price. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes provides better odds of getting the best offered rates.

How insurance companies determine rates

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

Performance makes a difference – The performance level of the vehicle you own makes a significant difference in determining your rates. The lowest rates tend to be for low performance passenger cars, but there are many factors that impact the final cost.

How your age affects price – Teenage drivers in Georgia are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.

Higher deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are how much you are required to spend if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.

Multi-policy discounts can save money – Many insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to ensure the best deal. You may still find a better deal by buying insurance from more than one company.

Proper usage rating affects rates – Driving more miles in a year the more you will pay for auto insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.

Cut your premium with discounts

The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before they will apply.

• Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
• Sign Online – Certain companies give back up to $50 for buying a policy and signing up over the internet.
• Drive Safe and Save – Safe drivers can pay as much as 50% less than drivers with accidents.
• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

It’s important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

What about using a local agent?

Some consumers would prefer to get advice from a local agent and that is just fine! One of the great benefits of price shopping on the web is that you can obtain lower rates but still work with a licensed agent. Supporting small agencies is especially important if you live in a smaller city or town.

After completing this short form, the coverage information gets sent to agents in your area who will return price quotes for your coverage. There is no reason to visit any agencies since price quotes are sent directly to your email. It’s the lowest rates AND a local agent.

Much more information about auto insurance in Georgia is located on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia drivers can find disaster information, discover disciplinary actions, and read consumer alerts. Additional helpful sites include auto insurance prices in Georgia and insurance agents in Georgia.

One last thing about your coverage

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, delays in paying claims, high rates after DUI convictions or high prices. No matter why you want to switch, choosing a new insurance company is less work than it seems.

We just showed you a lot of ways to lower your rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best prices are with some of the smallest insurance companies.

Lower priced auto insurance can be purchased on the web and also from your neighborhood Georgia agents, so compare prices from both to get a complete price analysis. Independent agents can write coverage with small, regional companies who may not provide the ability to get a quote online.