Top Ways to Save on Cedartown Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not alone. Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates at least once a year because prices are constantly changing. Despite the fact that you may have had the lowest price a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you're about to find out one of the best ways to properly buy coverages while reducing your premium.

Quick Cedartown Auto Insurance Quotes

Most major insurance companies provide coverage prices on the web. This process is pretty painless as you just type in the coverage amounts you desire into the quote form. Behind the scenes, the company's rating system will obtain your credit score and driving record and generates a price based on these factors. Online quotes helps simplify price comparisons, but the time required to go to different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find a lower rate.

A less time-consuming method to find better auto insurance pricing uses one form that obtains quotes from more than one company. It's a real time-saver, reduces the work, and makes online shopping much simpler. As soon as you send your information, it gets priced and you can select your choice of the returned quotes.

If you find a better price you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and submit your coverage information. If you have coverage now, it's recommended you complete the form with the coverages identical to your current policy. This way, you will be getting a price comparison based on similar coverages.

Cedartown Rates are Influenced by These Factors

It's important that you understand the factors that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with big savings.

The following are a partial list of the pieces auto insurance companies consider when setting rates.

Please use or commuting - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Don't buy coverages you don't need - There are a ton of extra coverages that you can buy on your auto insurance policy. Insurance for personal injury protection, towing coverage and term life insurance are some examples. These may sound like a good investment initially, but if they're wasting money eliminate the coverages to reduce your premium.
Men pay higher rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both cause accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
Optional equipment can affect rates - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, vandalism, and burglary. The deductibles are how much you are required to spend before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Older drivers save more - Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
Careful drivers pay lower rates - Your driving citation history has a huge affect on how much you pay. Just one citation can boost insurance rates twenty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Some trigger automatically when you purchase, but less common discounts must be manually applied before being credited. If you aren't receiving every discount possible, you're just leaving money on the table.

Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
Save over 55 - Older drivers may be able to get better auto insurance rates.
Payment Method - By paying your policy upfront rather than paying monthly you may reduce your total bill.
Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
Discount for New Cars - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.

As a disclaimer on discounts, some credits don't apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will reduce your premiums.

For a list of companies who offer auto insurance discounts in Cedartown, click here.

Additional information is located on the website for the Georgia Insurance and Safety Fire Commissioner found here. Georgia consumers can file complaints about an insurance agent or broker, discover disciplinary actions, learn about insurance regulations, and view a list of available companies.

In the end, you save

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best price.

Cheap auto insurance can be bought online and also from your neighborhood Cedartown agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.