East Point Auto Insurance For Less Than You're Paying Now

Searching for the cheapest East Point auto insurance on the web can seem to be rather challenging for consumers new to buying insurance on the web. Because there are so many companies in the marketplace, how can you effectively compare the different rates to find the cheapest rates?

It's important to do rate comparisons quite often because insurance rates are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Locating the cheapest auto insurance coverage in East Point can be fairly easy. Nevertheless, Georgia drivers do need to know how big insurance companies market on the web.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before being credited.

College Student - Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Accident Free - Drivers who don't have accidents pay less as compared to drivers who are more careless.
Clubs and Organizations - Participating in certain professional organizations could trigger savings on auto insurance.
Defensive Driving Course - Taking a course in driver safety could cut 5% off your bill if you qualify.
Bundle and Save - If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Every insured's situation is different.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

Why does it cost so much to insure a teen driver in East Point?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?
Do I really need UM/UIM coverage?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
Who is covered when they drive my vehicle?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to make the same claim of big savings if you move to them. How do they all make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. A good example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save money. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Additional auto insurance information can be read on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Georgia consumers can read enforcement actions against agents and companies, learn about insurance regulations, and read industry bulletins.

Shop smart and save

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, denial of a claim, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, switching auto insurance companies is less work than it seems.

Low-cost auto insurance is definitely available online and with local East Point insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.