Free Guide to Paying Less for Crawford Auto Insurance Online

I can't think of anyone who likes having to buy auto insurance, in particular when their premiums are too high.

You have so many to pick from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. But Georgia drivers do need to know the way companies determine prices because it can help you find the best coverage.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but less common discounts must be inquired about before you will receive the discount.

  • Homeowners Savings - Owning a home in Crawford may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Clubs and Organizations - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
  • Use Seat Belts - Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • No Claims - Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in big savings.

The list below includes a partial list of the pieces that factor into premiums.

  • What are your deductibles? - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The more the insured has to pay upfront, the lower your rates will be.
  • Better credit scores mean better rates - A driver's credit rating is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit history can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
  • Save money with special equipment - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Drive less and save money - The more you drive each year the more you'll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing that you'll save big if you move your policy. How does each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the right customer that earns them a profit. For instance, a profitable customer could possibly be between the ages of 30 and 50, a clean driving record, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can advertise the savings.

This illustrates why drivers should get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

Additional Georgia consumer information

Much more information about auto insurance in Georgia is located on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia consumers can report car insurance fraud, find out industry alerts, view a list of available companies, and file complaints about an insurance agent or broker.

Also read more on this page for Georgia auto insurance and this page for help finding agents in Crawford, GA.

Georgia auto insurance

Final considerations

Budget-conscious auto insurance is possible online in addition to many Crawford insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just read a lot of tips how to reduce auto insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from a lesser-known regional company. Regional companies may only write in your state and offer lower rates compared to the large companies like .