Quote Evans Auto Insurance Prices With These Tricks

Price shopping your Evans auto insurance is nearly impossible for consumers new to comparing rates online. You have so many choices that it can turn into a challenge to compare prices in Evans.

These discounts can lower your rates

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some must be manually applied prior to receiving the credit.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • No Accidents - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Low Mileage Discounts - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.

It's important to note that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you're out of luck. But any discount will cut the cost of coverage.

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Evans Rates are Influenced by These Factors

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates enables informed choices that will entitle you to big savings.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • High numbers of claims are not good - Companies in Georgia provide better rates to drivers who are claim-free. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Rates may be lower depending on your job - Careers like doctors, architects and accountants tend to have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates.
  • Your car's features help determine rates - Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Drive a safer car and pay less - Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
  • Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that can waste your money on your auto insurance policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance are examples of these. These coverages may sound good initially, but if they're wasting money get rid of them and save.
  • Older drivers pay less - Mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Teen drivers tend to be less responsible in a vehicle therefore auto insurance rates are much higher.
  • Bump up deductibles to save - Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Sex matters - The statistics show that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. They both are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.

Are you falling for claims of savings?

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all say the same thing that you can save if you move to their company. How do they all make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. An example of a driver they prefer could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A driver who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" not "everybody who quotes" save that much. That's why insurance companies can advertise the way they do.

This emphasizes why drivers should quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest rates.

Learn more today

More information is available on the Georgia Insurance and Safety Fire Commissioner website found here. Georgia consumers can download brochures, read industry bulletins, and view a list of available companies.

The best insurance company isn't always the cheapest

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.

Lower-priced auto insurance is possible online and also from your neighborhood Evans agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

When shopping online for auto insurance, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.