Eastman Auto Insurance For Less Than You're Paying Now

If online auto insurance comparisons are new to you, it's easy to be confused by the vast number of auto insurance companies competing for business in Eastman.

It's important to price shop coverage occasionally because insurance rates are constantly changing. Just because you found the best rates last year the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance online but we're going to give you some great ways to save money.

The purpose of this post is to introduce you to the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Nevertheless, Georgia drivers do need to know the methods companies use to sell online.

Are you getting all your discounts?

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Most are applied at quote time, but some may not be applied and must be asked for in order for you to get them.

  • Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Savings - Being a homeowner can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Low Mileage - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Accident Forgiveness - Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

It's important to understand that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of providers with discount auto insurance rates in Georgia, click here to view.

Eastman auto insurance quote

Finding Auto Insurance Deals in Eastman, GA

Most companies quote coverage price quotes on the web. Getting online rates doesn't take a lot of time as you simply enter your coverage preferences as detailed in the form. Once you submit the form, the company's rating system will obtain information on your driving record and credit history and generates pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and complete many quote forms is monotonous and tiresome. But it's very important to have as many quotes as possible if you are searching for the best price on auto insurance.

The preferred way to get multiple rate quotes uses one simple form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending your information, it is quoted with multiple companies and you can pick any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and can result in significant savings.

To save time and find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the different types of things 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 big savings.

Shown below are some of the items that factor into your rates.

  • Better credit scores mean better rates - Your credit score is a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit history is low, you could pay less to insure your by improving your rating.
  • Bundling policies can get discounts - Some insurers give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Lower deductibles cost more - Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the lower your rates will be.
  • Traffic violations increase rates - Even a single ticket may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique.

For instance, these questions might point out whether you could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?

If you're not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads make an identical promise of big savings if you change your policy. But how can every company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the right customer that is profitable for them. A good example of a preferred risk could possibly be over the age of 40, owns a home, and has great credit. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how insurance companies can confidently advertise the savings.

That is why drivers must get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

Final considerations

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. Too many times, an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Low-cost auto insurance can be sourced online in addition to many Eastman insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

People leave their current company for any number of reasons including policy cancellation, lack of trust in their agent, delays in responding to claim requests or unfair underwriting practices. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

Eastman auto insurance quote

For more Georgia car insurance information

Additional auto insurance information can be read on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Georgia consumers can find out industry alerts, read consumer alerts, and report car insurance fraud.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Eastman insurance agents.