Easy Methods to Spend Less on East Ellijay Auto Insurance

Shopping for affordable East Ellijay auto insurance on the web can seem to be rather challenging for beginners to comparison shopping online. When there are so many online companies, how can consumers even start to compare every one to find the lowest price?

It's important to get comparison quotes on a regular basis because insurance rates are constantly changing. Just because you found the lowest price a few years ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance on the internet, so we're going to give you some great ways to quit paying high auto insurance rates.

Finding affordable coverage in East Ellijay is quite easy. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Georgia drivers only need an understanding of the most efficient way to compare prices on the web.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into your rates.

  • Consolidate policies to earn discounts - Some auto insurance companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Being married can save on auto insurance - Having a wife or husband helps lower the price on your auto insurance policy. Marriage usually means you are more mature and responsible and it's proven that married drivers get in fewer accidents.
  • High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more the insured has to pay upfront, the bigger discount you will receive.
  • Safer occupants lowers premiums - Vehicles with high crash test scores tend to have better insurance rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
  • With age comes lower rates - Teen drivers in Georgia have a tendency to be less responsible when driving so auto insurance rates are higher. Parents adding a teen driver onto your auto insurance can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Traffic violations increase rates - Even a single citation may increase your cost forty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

East Ellijay auto insurance quote

How much can you save with discounts?

Companies offering auto insurance don't necessarily list every available discount very well, so we researched both well-publicized as well as the least known ways to save on auto insurance. If you don't get every credit you deserve, you are paying more than you should be.

  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • E-sign - A few companies will discount your bill up to fifty bucks simply for signing online.
  • Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.
  • Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Low Mileage - Low mileage vehicles could be rewarded with better rates on cars that stay parked.

It's important to understand that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

To choose providers with discount auto insurance rates in Georgia, click this link.

Save 15 percent in 15 minutes? Is it for real?

Georgia consumers can't ignore all the ads for car insurance savings from companies such as Allstate and Progressive. All the ads make the same claim of big savings if you change your policy.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be charged higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently advertise the way they do. That is why you should get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

For more Georgia auto insurance information

More tips and info about auto insurance is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read consumer alerts, get help finding coverage, and report car insurance fraud.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this East Ellijay agent directory.

A tidy conclusion

When shopping online for auto insurance, do not buy poor coverage just to save money. Too many times, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Low-cost auto insurance can be sourced online in addition to many East Ellijay insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent or even policy non-renewal. It doesn't matter what your reason, choosing a new insurance company is easier than you think.