Consumer Tested Strategies to Save on Ellijay Car Insurance

No one in their right mind likes having to buy car insurance, especially when they are paying too much.

There is such a variety of to pick from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

This article will familiarize you with the best way to quote coverages and some tips to save money. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, Georgia car owners do need to know the way insurance companies sell online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few must be specially asked for before you will receive the discount.

  • Homeowners Savings - Owning a home in Ellijay may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Good Student - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Auto/Home Discount - If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • No Claims - Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

It's important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. Knowing what determines base rates helps enable you to make changes that could result in lower car insurance prices.

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

  • What are your deductibles? - Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. The more the insured has to pay upfront, the lower your rates will be.
  • How's your driving record? - Drivers with clean records get better rates than their less careful counterparts. Just one citation may increase your cost twenty percent or more. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • More people means more accidents - Living in a rural area is a positive aspect when it comes to car insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • Do you work long hours in a high stress job? - Occupations such as judges, architects and financial analysts are shown to have higher average rates due to job stress and lengthy work days. Conversely, occupations like scientists, engineers and retirees pay the least.

Insurance agents can help

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies say the same thing of big savings if you change your policy. How does each company make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the right customer that earns them a profit. For instance, a profitable customer could be a mature driver, a clean driving record, and chooses high deductibles. A customer who fits that profile will get very good rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay higher premiums which usually ends up with business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can confidently state the savings.

This illustrates why drivers should quote coverage with many companies. Because you never know which company will give you the biggest savings.

Additional car insurance information is located on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can report car insurance fraud, file complaints about a company, view agent and company licensing information, and read industry bulletins.

Also read more on this page for Georgia car insurance and this page for help finding agents in Ellijay, GA.

Georgia car insurance

Do the work, save more money

Low-cost car insurance can be sourced from both online companies in addition to many Ellijay insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We just showed you a lot of information how to reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a small mutual company. Regional companies can often provide lower rates in certain areas compared to the large companies like .

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. In too many instances, someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.