Proven Techniques to Save on College Park Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many people just like you.

Multiple compete for your business, so it can be very hard to choose a and uncover the absolute lowest rate

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them.

No Accidents - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Paperwork-free - Certain companies give back up to $50 for buying your policy on their website.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
Federal Government Employee - Active or retired federal employment can save as much as 8% with a few auto insurance companies.

A little note about advertised discounts, some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut your premiums.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

The following are some of the items auto insurance companies consider when setting prices.

Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Careers like real estate brokers, social workers and accountants tend to have higher rates than average because of high stress levels and lengthy work days. On the flip side, jobs such as actors, athletes and performers receive lower rates.
Liability coverage is cheap - Liability coverage provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
Having a spouse can save you money - Getting married can get you a discount on auto insurance. Having a significant other means you're more responsible and it's proven that being married results in fewer claims.
Better crash test results mean better rates - Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Lower rates with optional equipment - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Older drivers pay less - Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be more careless when behind the wheel therefore auto insurance rates are much higher.

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all have a common claim about savings after switching to their company. How do they all say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no driving citations, and has great credit. A propective insured that hits that "sweet spot" gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will be quoted more money and this can result in business not being written. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings.

This emphasizes why drivers should get quotes from several different companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia drivers can read industry bulletins, find out which companies have the most complaints, get help finding coverage, and find disaster information.

Affordable insurance is out there

Cheaper auto insurance can be sourced on the web and also from your neighborhood College Park agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.