Tightwads Instructions on Saving on Americus Auto Insurance

Overpriced auto insurance can drain your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to help make ends meet.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to find the lowest price

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Policy add-ons can waste money - There are many add-on coverages that you can get tricked into buying if you aren't careful. Coverages like personal injury protection, accidental death and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
One company can mean more discounts - Most companies will award you with lower prices to people who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
Do you have enough liability coverage? - Liability insurance is the protection if a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Your car's features help determine rates - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, architects and accountants have higher rates than average because of high stress and long work days. On the flip side, jobs such as pilots, athletes and homemakers get better rates.

More discounts equal less premium

Companies offering auto insurance don't necessarily list all available discounts in an easy-to-find place, so we researched some of the best known as well as the least known auto insurance savings.

Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
Accident Waiver - A few companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Organization Discounts - Affiliation with certain professional organizations could qualify you for a break when buying auto insurance.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn't work that way.

To choose insurers offering auto insurance discounts in Americus, follow this link.

Switch companies and save? Really?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies say the same thing that you can save if you switch your coverage to them. How do they all say the same thing?

Insurance companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile must pay higher prices which usually ends up with business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the way they do. This illustrates why you should get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

For more Georgia auto insurance information

Additional detailed information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can discover disciplinary actions, learn about insurance regulations, read consumer alerts, and find out which companies have the most complaints.

Shop smart and save

Affordable auto insurance can be found on the web as well as from independent agents in Americus, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies don't offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.