Austell Car Insurance For Less Than You're Paying Now

If online car insurance comparisons are new to you, it's easy to get confused by the hoards of car insurance companies competing for business in Austell.

It's important to take a look at other company's rates periodically due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates a year ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance on the web, but we're going to give you some great ways to reduce your car insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Locating the lowest cost protection in Austell can be fairly easy. But Georgia consumers do need to know how the larger insurance companies compete online.

Austell Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.

Performance level impacts rates - The type of vehicle you drive makes a huge difference in the rate you pay. Lower performance four cylinder passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
Bad driving skills means higher rates - Careful drivers have lower premiums compared to drivers with tickets. Just one ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both tend to get into accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, architects and dentists tend to have the highest average rates because of stressful work requirements and lots of time spent at work. Other professions such as scientists, historians and performers receive lower rates.

How to Get Austell Car Insurance Comparison Quotes

There are several ways of comparing rates from different Austell insurance companies. One of the best ways to compare insurance prices is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form submissions to each individual car insurance company. Just one form will get you rate comparisons from multiple companies.It's the quickest way to get rates.
A slightly less efficient method to compare rate quotes requires you to visit each company website and fill out their own quote form. For examples sake, let's say you want to compare , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Austell, click here.

Whichever way you use, be sure to compare exactly the same coverage information for every quote you compare. If the quotes have unequal deductibles or liability limits it will be impossible to determine the best price in Austell. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Take advantage of discounts

Car insurance companies don't always publicize every available discount in a way that's easy to find, so the following is a list of both the well known as well as the least known car insurance savings.

Early Switch Discount - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It's a savings of about 10%.
Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
Federal Employees - Employees or retirees of the government may qualify you for a discount with certain companies.
Resident Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
Homeowners Savings - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
Save with a New Car - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don't profit that way.

To choose providers who offer car insurance discounts in Austell, follow this link.

Are car insurance companies telling the truth?

Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads say the same thing that you'll save big after switching to their company. How can each company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a preferred risk might be between the ages of 40 and 55, a clean driving record, and has excellent credit. Any driver who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save that much. That is how companies can make those claims. That is why you need to compare as many rates as you can. You cannot predict which company will have the lowest rates.

How to know if you need help

When buying coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Georgia?
Should I put collision coverage on all my vehicles?
Why am I required to get a high-risk car insurance policy?
Why does it cost so much to insure a teen driver in Austell?
Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

More detailed Georgia car insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to learn about specific coverages, file complaints about a company, and learn about insurance regulations.

Shop smart and save

We just presented many ways to compare car insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from a small local company.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for a number of reasons such as high prices, poor customer service, denial of a claim or even high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company is easier than you think.