Top Ways to Save on Avondale Estates Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners in Georgia.

Drivers have multiple to pick from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. If you had the best rates six months ago you can probably find a better price now. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Avondale Estates Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with better auto insurance rates.

  • More miles equals more premium - The more you drive every year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on their usage. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage.
  • Don't cancel a policy without a new one in place - Not having insurance is against the law and auto insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance can result in a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department to get your license reinstated.
  • You might want pay the small claims yourself - If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Car insurance companies in Georgia generally give lower rates to drivers who are claim-free. Car insurance is intended for major claims that would cause financial hardship.
  • Being married is a good thing - Getting married actually saves money on auto insurance. It means you're more mature and it's statistically proven that drivers who are married are more cautious.
  • High crash test scores lower rates - Safer cars get lower rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
  • Cautious drivers pay less - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers receive lower rates than people who have multiple driving citations. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Credit scores impact auto insurance rates - Credit rating is a large factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit score can use some improvement, you could save money insuring your by spending a little time repairing your credit.
  • Do you qualify for a multi-policy discount? - The majority of insurance companies will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to ensure the best deal. Consumers may find better rates by splitting coverages up.

Georgia auto insurance quotes

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be requested specifically before being credited.

  • Save with a New Car - Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
  • Sign Online - Some insurance companies may give you up to $50 just for signing your application over the internet.

Keep in mind that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To choose companies with the best auto insurance discounts in Georgia, click here.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move to their company. How does each company claim to save you money?

Different companies can use profiling for the driver that makes them money. A good example of a desirable insured might be a mature driver, is a homeowner, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher prices and this can result in the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It's impossible to know the company that will have the lowest rates.

More information can be read on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Visitors are able to file complaints about an insurance agent or broker, find a variety of consumer forms, download brochures, and get help finding coverage.

Other informative sites include Auto Insurance 101 and this page where you can research Avondale Estates insurance agents.

Final considerations

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. In many instances, an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Affordable auto insurance is definitely available both online and also from your neighborhood Avondale Estates agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.