Car Insurance in Big Canoe Georgia - 7 Discounts You Might be Forgetting

No one in their right mind enjoys paying for car insurance, especially when the cost is way too high.

With consumers having so many choices of insurance companies, it's nearly impossible to pick the best company.

These seven discounts can lower your rates

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. Some trigger automatically when you quote, but less common discounts must be asked about prior to getting the savings.

  • Service Members Pay Less - Having a deployed family member could mean lower rates.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Homeowners Savings - Simply owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • No Accidents - Good drivers with no accidents can save substantially when compared to bad drivers.
  • Paperwork-free - Certain companies will give a small break just for signing your application online.
  • Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

To see a list of insurance companies offering car insurance discounts in Georgia, follow this link.

compare Big Canoe car insurance rates

Big Canoe Car Insurance Quote Comparison

Most companies allow you to get coverage prices online. Getting quotes is quite simple as you simply type in your coverage preferences as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and quotes a price based on these and other factors. This helps simplify price comparisons, but having to visit different websites and type in the same information is not the best way to spend an afternoon. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

The preferred way to get multiple rate quotes is to use a quote form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes online shopping a lot less work. Immediately after you send the form, it is rated and you can choose any or none of the price quotes you receive.

If you find a better price it's easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and enter your information. If you currently have coverage, we recommend you input coverages and limits as shown on your current policy. This makes sure you will be getting a price comparison based on the exact same insurance coverage.

Different people need different coverages

When choosing the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's so your insurance needs to address that. For instance, these questions might point out whether you would benefit from an agent's advice.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. They all say the same thing that you can save if you switch to their company. But how can every company make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the driver that is profitable for them. For example, a driver they prefer could be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be quoted a higher premium which usually ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that much. That is how insurance companies can advertise the way they do.

This emphasizes why drivers must get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

Shop smart and save

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

You just learned many ways to compare car insurance prices online. The key thing to remember is the more providers you compare, the better chance you'll have of finding lower rates. Consumers may even find the most savings is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

Big Canoe car insurance quote

For more Georgia car insurance information

More information can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can view a list of available companies, find out industry alerts, file complaints about a company, and report car insurance fraud.

Additional helpful sites include this page for car insurance prices in Georgia and this page of Big Canoe insurance agents.