Proven Ways to Save on La Fayette Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not alone.

Drivers have multiple to buy insurance from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices every six months because rates are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Block out anything you think you know about car insurance because we're going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

Buying car insurance in La Fayette is not that difficult. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Although Georgia car owners do need to know the way companies sell online and apply this information to your search.

Take advantage of discounts

Car insurance companies don't always publicize every available discount very clearly, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • E-sign - Some insurance companies will give a small break for buying your policy over the internet.
  • No Charge for an Accident - Certain companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

Georgia car insurance

Are car insurance companies telling the truth?

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads have a common claim about savings after switching to their company. How does each company make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, has no driving citations, and has great credit. A customer that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged a higher premium and this can result in business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that much. That's the way companies can truthfully advertise the savings. That is why you should get as many comparisons as possible. Because you never know which car insurance company will give you the biggest savings.

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can file complaints about a company, find out which companies have the most complaints, get help finding coverage, and learn about insurance regulations.

Final considerations

We just showed you a lot of ways to reduce car insurance prices online. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. You may even find the lowest rates come from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like .

The cheapest car insurance can be sourced from both online companies and also from your neighborhood La Fayette agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.