How to Know You're Throwing Money Away for Auto Insurance in Brunswick

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as the majority of other car owners in Georgia.

Big companies like GEICO and Progressive all claim big savings with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to get comparison quotes before your policy renews since insurance rates are constantly changing. If you had the lowest price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to find out the fastest and easiest way to find great coverage at a great price.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Buying car insurance in Brunswick is not that difficult. Although Georgia vehicle owners do need to know the way companies market on the web because it can help you find the best coverage.

Compare Brunswick Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do repetitive form entry for every auto insurance company. In just a few minutes this one form gets you coverage quotes direct from many companies.

A less efficient way to compare rate quotes consists of going to the website for each individual company to complete their respective quote request forms. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method.

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

It doesn't matter which method you choose, just ensure you're using exactly the same coverages on every quote you get. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best in Brunswick. Just a small difference in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons will improve the odds of getting lower pricing.

Understand what determines the rate you pay

It's important that you understand some of the elements that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes a partial list of the pieces that factor into rates.

More miles equals more premium - The more you drive every year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Don't cancel a policy without a new one in place - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.
Rates may be higher depending on your occupation - Jobs such as judges, architects and dentists are shown to have the highest average rates attributed to high stress levels and lengthy work days. Other professions such as farmers, historians and the unemployed pay the least.
Your spouse saves you money - Having a wife or husband actually saves money when buying auto insurance. It usually means you are more responsible and it's statistically proven that drivers who are married are more cautious.
Traffic citations inflate rates - Your driving citation history has a huge affect on how much you pay. Just one citation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
Extra coverages can waste money - There are a lot of extra bells and whistles that you can buy if you aren't careful. Insurance for roadside assistance, towing coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
Older drivers save more - Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Discounts for multiple policies - The majority of companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to shop around to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts in a way that's easy to find, so we researched some of the best known and the more hidden auto insurance savings.

New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
No Claims - Claim-free drivers pay much less as compared to frequent claim filers.
Homeowners Pay Less - Owning a house in Brunswick may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
Air Bag Discount - Factory air bags can qualify for discounts of 20% or more.
Drive Less and Save - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
Sign Online - Certain companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

For a list of companies with the best auto insurance discounts in Brunswick, follow this link.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can file complaints about an insurance agent or broker, find a variety of consumer forms, read industry bulletins, and get help finding coverage.

Final considerations

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. In many instances, an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at an affordable rate.

The cheapest auto insurance is definitely available on the web in addition to many Brunswick insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide online quoting and most of the time these small, regional companies sell through independent agents.