Proven Ways to Save on Byron Car Insurance

Sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other Georgia consumers.

You have so many to pick from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around before your policy renews because rates are constantly changing. If you had the lowest rates a couple years back you can probably find a lower rate today. So forget all the misinformation about car insurance because you're going to learn the tricks you need to know to find better rates and still maintain coverage.

This article will let you in on how to get online quotes. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. But Georgia car owners do need to know the way insurance companies determine prices and use this information to your advantage.

Georgia car insurance

How to Compare Byron Car Insurance Rates

There are multiple methods you can shop for car insurance and some are easier and takes less work. You can spend countless hours talking to insurance agencies in Byron, or you could use online quotes to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that enables customers to complete one form, and each company can provide price quotes for coverage. This system prevents you from having to do form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the providers you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have a page of companies who write car insurance in Georgia. View list of Georgia insurance companies.

It doesn't matter which method you choose, just ensure you're using identical deductibles and coverage limits on every quote you get. If you use different values for each quote you can't possibly determine which rate is truly the best in Byron. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices helps you find better pricing.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Passive Restraints - Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Claim Free - Claim-free drivers can save substantially compared to bad drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
  • Low Mileage - Keeping the miles down can earn better rates on cars that stay parked.
  • One Accident Forgiven - Certain companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Resident Student - Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, companies don't profit that way. But all discounts will bring down your premiums.

To see a list of providers with the best car insurance discounts in Georgia, click this link.

Much more information about car insurance in Georgia can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can find out industry alerts, read industry bulletins, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Byron insurance agents.