Top 6 Ways to Save on Car Insurance in Pelham, GA
Cutting costs on Pelham car insurance is a challenge for consumers not familiar with comparison shopping online. There are so many choices that it can easily become a lot of work to find lower rates in Pelham.
It's important to check car insurance prices once or twice a year since rates are constantly changing. Even if you think you had the best price a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. The purpose of this article is to instruct you on how to effectively get price quotes and some money-saving tips. Nevertheless, Georgia car owners do need to know the way companies market insurance on the web and apply this information to your search.
How to Compare Car Insurance Costs in Pelham
There are several ways you can shop for car insurance but one way is easier and takes less work. You can spend your afternoon talking to insurance companies in Pelham, or you could save time and use online quoting to get pricing more quickly.
Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and each company can provide price quotes based on that data. This saves time by eliminating quote forms for each company you want a rate for.
To submit your quote information now, click here to open in new window.
One minor caviat to comparing rates this way is you can't choose which providers you will receive quotes from. So if you want to select individual companies to compare prices, we have a listing of car insurance companies in Georgia. Click here to view list.
It's your choice how you get your quotes, but double check that you are using the exact same coverage limits on every quote you get. If you have differing limits it's not possible to determine which rate is truly the best in Pelham. Quoting even small variations in coverage limits can make a big difference in price. It's important to know that quoting more will increase your chances of finding better pricing.
How much can you save with these six discounts?
Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known savings tricks you should be using.
- Passive Restraint Discount - Vehicles with factory air bags can get savings of up to 25% or more.
- Student Driver Training - Cut your cost by having your teen driver take driver's ed class if offered at their school.
- Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
- Safety Course Discount - Taking a driver safety course could save 5% or more if your company offers it.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Good Students Pay Less - This discount can save 20 to 25%. This discount can apply up until you turn 25.
It's important to understand that most discounts do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because you may think you could get a free car insurance policy, it doesn't quite work that way.
To choose providers with discount car insurance rates in Pelham, click here to view.
Save 15 percent in 15 minutes? Is it for real?
Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads make an identical promise of big savings if you change to them. How do they all make the same claim?
Different companies can use profiling for the type of driver that makes them money. For example, a preferred risk could be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.
Potential customers who don't meet the "perfect" profile will be charged a higher premium and ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently make the claims of big savings. That is why you need to get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.
More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find out industry alerts, view a list of available companies, and find disaster information.
Final considerations
You just learned many tips how you can compare car insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from the least-expected company.
People leave their current company for a number of reasons such as poor customer service, extreme rates for teen drivers, delays in responding to claim requests or even questionable increases in premium. It doesn't matter what your reason, choosing a new insurance company is easier than you think.
Low-cost car insurance is attainable from both online companies and with local Pelham insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
