Clarkston Auto Insurance For Less Than You're Paying Now

Cutting costs on Clarkston auto insurance is nearly impossible for people who are new to buying insurance online. Drivers have so many choices that it can be a ton of work to find the best price in Clarkston.

Cheap Clarkston Auto Insurance Comparisons

Shopping for lower auto insurance rates can be challenging if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Clarkston, or you can stay home and use the web to quickly compare rates.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each company provides a quote determined by their information. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which companies to get pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of the cheapest auto insurance companies in Georgia. View list of Georgia insurance companies.

It doesn't matter which method you choose, just ensure you're using identical coverages with every price quote. If your comparisons have different limits and deductibles on each one you will not be able to find the best deal in Clarkston.

Tips to Get Lower Clarkston Rates

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Safer occupants lowers premiums - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
A lapse in coverage is a bad thing - Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with the Georgia DMV.
Rates may be higher depending on your occupation - Occupations such as lawyers, executives and financial analysts have higher average rates in part from high stress and long work days. Conversely, occupations like farmers, engineers and the unemployed get better rates.
Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
Extra coverages can waste money - There are a lot of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
Rural vs Urban Areas - Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident.
High credit ratings translate to low rates - A driver's credit rating is a huge factor in your rate calculation. People with excellent credit tend to be more responsible than drivers with lower credit scores. If your credit history can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
Claim-free discounts can add up - Auto insurance companies in Georgia give lower rates to drivers who do not file claims often. If you file claims often, you can expect higher rates. Your insurance policy is designed for major claims that would cause financial hardship.

How much can you save with discounts?

Companies offering auto insurance don't always advertise all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance. If you're not getting every credit available, you're just leaving money on the table.

Lower Rates for Military - Having a family member in the military can result in better rates.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off depending on your company.
Save over 55 - Older drivers can possibly qualify for a small decrease in premiums.
Fewer Miles Equal More Savings - Keeping the miles down can earn better rates on cars that stay parked.

It's important to note that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

For a list of insurers with the best auto insurance discounts in Georgia, click this link.

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find disaster information, find a variety of consumer forms, and read industry bulletins.

A tidy conclusion

Lower-priced auto insurance is definitely available online as well as from independent agents in Clarkston, and you need to price shop both to have the best rate selection. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, high rates after DUI convictions and denial of a claim. It doesn't matter what your reason, switching auto insurance companies is not as hard as you think.

When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.