How to Know You're Spending Too Much for Auto Insurance in Blackshear

Overpriced auto insurance can overdraw your checking account and make it impossible to make ends meet. Shopping your coverage around is a smart way to cut your insurance bill.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to compare prices on a regular basis since insurance rates are constantly changing. Even if you got the best rates a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting rates.

Teen drivers pay high rates - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are known to be less responsible when driving and because of this, their auto insurance rates are much higher.
Marriage brings a discount - Getting married can get you a discount when buying auto insurance. It means you're more mature and statistics show married drivers get in fewer accidents.
Please use or commuting - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on their usage. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance coverage is rated on the proper vehicle usage.
Claim-free discounts can add up - Car insurance companies in Georgia provide cheaper rates to drivers who are claim-free. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, architects and dentists tend to have the highest average rates due to high stress and long work days. Other occupations such as pilots, historians and performers receive lower rates.
High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, and rolling your vehicle. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.

How to Lower Your Auto Insurance Cost in Blackshear, Georgia

All major auto insurance companies allow you to get coverage prices on their websites. Getting online quotes is quite simple as you just type in the coverages you want as detailed in the form. After the form is submitted, their system will obtain reports for credit and driving violations and generates pricing information based on these factors. Online quotes helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it's very important to perform this step in order to find the best price on auto insurance.

The preferred way to find lower prices requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it is rated and you can select your choice of the resulting price quotes.

If you find a better price you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in deductibles and limits as shown on your current policy. This makes sure you will receive a price comparison for the exact same coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

College Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Accident Waiver - A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
New Vehicle Savings - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
No Accidents - Drivers who don't have accidents pay less as compared to accident-prone drivers.

Keep in mind that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way. But any discount will reduce the cost of coverage.

To choose companies who offer auto insurance discounts in Blackshear, follow this link.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to say the same thing that you can save after switching to their company. How can each company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will have to pay higher premiums which usually ends up with business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that much. This is how insurance companies can advertise the way they do.

Because of the profiling, you need to get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

More information can be read on the website for the Georgia Insurance and Safety Fire Commissioner found here. Georgia drivers can read enforcement actions against agents and companies, get help finding coverage, file complaints about an insurance agent or broker, and download brochures.

Shop smart and save

When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best price.

Affordable auto insurance can be purchased on the web and also from your neighborhood Blackshear agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.