Top Ways to Save on Eatonton Car Insurance

Having to pay for overpriced car insurance can dwindle your personal savings and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Because you have many choices of insurance companies, it is hard for the average consumer to pick the most affordable company.

It's important to compare rates on a regular basis because rates are constantly changing. Even if you got the best deal a few years ago the chances are good that you can find a lower rate today. So just ignore everything you know about car insurance because you're going to learn the proper way to properly buy coverages and cut your premium.

Finding the best rates in Eatonton is quite easy. If you have a current car insurance policy or need a new policy, you can follow these tips to find better prices and still get good coverage. Georgia drivers only need an understanding of the best way to shop for car insurance over the internet.

These discounts can lower your rates

Companies don't always list all their discounts very well, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you're paying more than you need to.

  • Auto/Life Discount - Larger companies have a break if you buy a life insurance policy as well.
  • Accident Waiver - Some insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Own a Home - Owning a house in Eatonton may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

It's important to understand that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

To see a list of companies who offer car insurance discounts in Georgia, click this link.

Georgia car insurance quotes

Car Insurance Prices in Eatonton, Georgia

Most companies quote prices online. The process is quite easy as you just type in the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and returns pricing information based on these and other factors. This simplifies rate comparisons, but the time it takes to visit several different sites and type in the same information can get tiresome after awhile. But it's very important to have as many quotes as possible if you are searching for better car insurance pricing.

There is an easier way!

The preferred way to find lower prices utilizes a single form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes price shopping online much more efficient. As soon as you send your information, it is quoted and you can select 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 buy the policy. It only takes a few minutes and can result in significant savings.

If you want to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you replicate the limits and deductibles exactly as they are listed on your policy. This makes sure you will get rate comparison quotes based on the exact same insurance coverage.

You have some control over your rates

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower car insurance prices.

  • Drive less and save money - Driving more miles in a year's time the more you will pay for car insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your car insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Being married can save on car insurance - Being married can get you a discount on your car insurance policy. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • More people means more accidents - Residing in a rural area can be a good thing when it comes to car insurance. Drivers in populated areas have much more traffic and longer commute times. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • How credit affects car insurance rates - Credit history is a huge factor in determining what you pay for car insurance. If your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • How's your driving record? - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one citation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Consolidate policies to earn discounts - Many car insurance companies will give a discount to policyholders 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 ensure the best deal.

Are you falling for claims of savings?

Consumers can't get away from ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to make the same claim of big savings after switching to their company.

But how can every company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. An example of a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer who matches those parameters 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 have to pay more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that much. This is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest rates.

Best coverage at the best price

When shopping online for car insurance, do not reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price.

Low-cost car insurance can be purchased from both online companies and also from your neighborhood Eatonton agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just showed you many ideas to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as .

More tips and info about car insurance is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can file complaints about an insurance agent or broker, get help finding coverage, view agent and company licensing information, and find out industry alerts.

Additional helpful sites include Wikipedia and this page where you can research Eatonton insurance agents.