Free Guide to Cutting Costs on Dexter Car Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse. Consumers have many to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to compare rates.

You have some control over your rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Safer occupants lowers premiums - Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and fewer injuries means lower claim amounts and thus lower rates.
  • Policy add-ons can waste money - There are many extra coverages that you can get tricked into buying on your policy. Coverages for rental car reimbursement, accidental death and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.
  • Tickets mean higher rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Just one moving violation can boost insurance rates forty percent or more. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Are you male or female? - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • How credit affects car insurance rates - A driver's credit score is a important factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Where you live can impact rates - Choosing to live in less populated areas is a positive aspect when it comes to car insurance. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Consolidate policies to earn discounts - Most companies will award you with lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.

car insurance in Dexter

Quick Dexter Car Insurance Quotes

All major car insurance companies like 21st Century, Allstate and State Farm provide prices on the web. Getting quotes is quite easy as you just enter the coverage amounts you desire as detailed in the form. After the form is submitted, their rating system will obtain your driving and credit reports and generates a price. Quoting online simplifies rate comparisons, but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it's very important to perform this step if you want to find better car insurance pricing.

Quote rates the easy way

The preferred way to find better car insurance pricing is to use a quote form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes comparison shopping much simpler. As soon as you send your information, it gets priced and you can choose any one of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you copy deductibles and limits as close as possible to your current policy. This makes sure you are getting an apples-to-apples comparison for the exact same coverage.

These discounts can lower your rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings. If you're not getting every credit possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discount for Good Grades - This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Auto/Home Discount - If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

To choose insurers offering car insurance discounts in Georgia, follow this link.

Are you falling for claims of savings?

Consumers can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you switch to their company.

How does each company make the same claim?

All the different companies are able to cherry pick for the driver that makes them money. A good example of a profitable customer could be over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That's the way companies can truthfully advertise the way they do.

This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Consumers can find disaster information, discover disciplinary actions, file complaints about a company, and learn about insurance regulations.

car insurance in Dexter

Best coverage at the best price

Cheaper car insurance is available from both online companies and also from your neighborhood Dexter agents, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of information how to compare car insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .

When shopping online for car insurance, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.