How to Know You're Wasting Money for Auto Insurance in Rome

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, many Rome consumers feel financially strained by their auto insurance policy. Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. Just because you found the lowest price a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you're about to find out how to use online quotes to find the best coverage while lowering your premiums.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Choosing the best insurance company for you in Rome is not that difficult. Georgia consumers only need to know the proper way to find the lowest price over the internet.

Rome Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

Traffic citations inflate rates - Your driving record has a huge affect on how much you pay. Even a single citation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
Don't skimp on liability - Liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
Pay less after the wedding - Having a wife or husband can get you a discount on your policy. Marriage means you're more responsible it has been statistically shown that being married results in fewer claims.
An active claims history can cost you - Insurance companies in Georgia award cheaper rates to insureds who are claim-free. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Optional equipment can affect rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Teen drivers pay high rates - Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

How to Compare Auto Insurance in Rome, Georgia

There are multiple methods to compare auto insurance prices but there is one way that is more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in Rome, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the larger companies enroll in a system that enables customers to send in one quote, and at least one company can provide price quotes. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which providers you will receive quotes from. If you prefer to choose specific providers to compare rates, we put together a list of the cheapest auto insurance companies in Georgia. Click to view list.

It's your choice how you get your quotes, but ensure you are comparing exactly the same quote information for each comparison quote. If you compare mixed coverages it will be very difficult to determine the lowest rate in Rome.

Don't pay full price with these discounts

Car insurance can cost a lot, but you can get discounts that you may not know about. Some trigger automatically when you purchase, but less common discounts must be manually applied before being credited. If you aren't receiving every discount possible, you are paying more than you should be.

Discount for Good Grades - This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
Homeowners Discount - Being a homeowner can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your premiums.

To choose providers who offer auto insurance discounts in Rome, click here to view.

The auto insurance bait and switch

Georgia drivers can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads make an identical promise about savings after switching to their company.

How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk might be profiled as between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher prices and ends up with business not being written. The ads say "drivers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the way they do.

That is why you need to get a wide range of price quotes. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional information is located on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia drivers can file complaints about a company, find out which companies have the most complaints, get help finding coverage, and download brochures.

A tidy conclusion

In this article, we covered many tips how you can compare auto insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

The cheapest auto insurance can be sourced on the web and also from your neighborhood Rome agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.