Free Guide to Cutting Costs on Buchanan Auto Insurance Online

No one in their right mind enjoys paying for auto insurance, in particular when they are paying too much.

With consumers having so many choices of insurance companies, it's nearly impossible to find the lowest price insurance company.

It's important to get comparison quotes occasionally because prices are constantly changing. If you had the best deal last year there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes some of the factors that factor into rates.

  • Sex matters - Statistics show women tend to be less risk to insure than men. However, don't assume that men are WORSE drivers than women. Women and men are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
  • Multiple policies with one company can save - The majority of auto insurance companies will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Choose a safe vehicle and save - Cars with high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
  • Careful drivers pay lower rates - Just one speeding ticket may increase your cost forty percent or more. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

Finding Auto Insurance in Buchanan, GA

All major auto insurance companies provide insurance quotes online. This process doesn't take much effort as you just type in your coverage preferences as detailed in the form. After the form is submitted, the company's rating system will obtain credit information and your driving record and returns pricing information based on these and other factors. This makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

The preferred way to get multiple rate quotes uses one form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much more efficient. Immediately after submitting the form, it gets priced and you are able to buy any or none of the resulting price quotes. If you find a better price you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you replicate the limits and deductibles identical to your current policy. This makes sure you will receive a price comparison for the exact same coverage.

These discounts can lower your rates

Companies don't list all their discounts very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness - Some insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Good Student - This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Organization Discounts - Participating in a professional or civic organization could trigger savings on auto insurance.
  • No Claims - Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, auto insurance companies aren't that generous.

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

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to make the same claim about savings if you move your policy. But how can every company make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the right customer that makes them money. An example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully claim big savings. Because of the profiling, you need to compare many company's rates. It's impossible to know which company will give you the biggest savings.

Different people need different coverages

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions might point out whether you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Do I qualify for additional discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can learn about insurance regulations, read consumer alerts, find disaster information, and file complaints about a company.

Other informative sites include this site for Georgia auto insurance information and see this list of insurance agents in Buchanan.

Buchanan auto insurance quote

The best insurance company isn't always the cheapest

Cheap auto insurance is possible online in addition to many Buchanan insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.