How to Know You're Throwing Money Away for Car Insurance in Appling

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other Georgia drivers.

Big-name insurance companies like GEICO and Progressive constantly bombard you with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding the best rates in Appling is easy if you know what you're doing. But Georgia car owners do need to know how insurance companies market on the web and take advantage of how the system works.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some must be specially asked for before you will receive the discount.

No Accidents - Claim-free drivers can earn big discounts when compared to bad drivers.
Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Paperwork-free - A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
Memberships - Belonging to a civic or occupational organization could trigger savings when shopping for car insurance.
Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
55 and Retired - Mature drivers can possibly qualify for better car insurance rates.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way. But all discounts will reduce the cost of coverage.

To see a list of insurance companies with the best car insurance discounts in Appling, click this link.

Compare the Market for Car Insurance in Appling

Most companies give coverage prices on the web. The process is quite simple as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, their rating system will obtain reports for credit and driving violations and returns a price based on these and other factors. Online quotes helps simplify price comparisons, but having to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

The easy way to compare rates

The preferred way to find cheaper rates utilizes a single form to obtain quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the price quotes you receive.

If a lower price is quoted, it's easy to complete the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

If you want to find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it's recommended you complete the form with the limits and deductibles identical to your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to big savings.

Rates may be higher depending on your occupation - Careers like doctors, executives and dentists tend to have the highest average rates because of stressful work requirements and lots of time spent at work. Other occupations such as farmers, historians and the unemployed receive lower rates.
High numbers of claims are not good - If you are a frequent claim filer, you can definitely plan on higher rates. Companies in Georgia give cheaper rates to people who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Always keep insurance in force - Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
How's your driving record? - A bad driving record has a huge affect on how much you pay. Careful drivers have lower premiums than people who have multiple driving citations. Only having one ticket can boost insurance rates by twenty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
Liability coverage is peace of mind - The liability section of your policy will protect you when you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
Theft deterrents lower rates - Driving a car with an alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Being married can save on car insurance - Being married actually saves money on your car insurance policy. Having a significant other means you're more mature than a single person and it's proven that drivers who are married are more cautious.

Are you falling for claims of savings?

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all make the same claim that you'll save big if you move to their company. How can each company make the same claim?

All the different companies can use profiling for the driver that is profitable for them. An example of a driver they prefer could be over the age of 50, has no tickets, and chooses high deductibles. A customer who matches those parameters will get very good rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be quoted higher premiums which leads to business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. That's why companies can state the savings.

This emphasizes why drivers must get a wide range of price quotes. Because you never know the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

We just showed you many ideas to compare car insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as .

Discount car insurance is definitely available from both online companies and also from your neighborhood Appling agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

More Georgia car insurance information

Much more information about car insurance in Georgia is available on the website for the Georgia Insurance and Safety Fire Commissioner located here. Consumers can read industry bulletins, download brochures, find a variety of consumer forms, and file complaints about a company.