Lower Online Fayetteville Auto Insurance Prices With These Techniques

Finding the lowest price for Fayetteville auto insurance can be complicated if you have never used online quotes. But relax because there is an easy way to compare rates.

Finding affordable coverage in Fayetteville is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Georgia vehicle owners just need to know the proper way to compare rates over the internet.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

The following are some of the items auto insurance companies consider when setting prices.

  • Too many auto insurance claims drive up costs - Companies in Georgia provide lower rates to people who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
  • A clean driving record saves money - Even one ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Your location is important - Living in a rural area can save you money when buying auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Drive less and save money - Driving more miles each year the higher your rate. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise every discount very clearly, so the following is a list of some of the best known and the harder-to-find auto insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
  • Good Student - This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • No Accidents - Good drivers with no accidents pay less when compared to accident-prone drivers.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, companies don't profit that way.

To choose insurance companies who offer auto insurance discounts in Georgia, follow this link.

Save $429 a year? Really?

Georgia drivers can't ignore all the ads for cheaper car insurance by Progressive, Allstate and GEICO. They all say the same thing that you'll save big after switching to their company.

How does each company say the same thing? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. A good example of a driver they prefer might be profiled as between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be quoted a more expensive rate which usually ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. It's not possible to predict which company will provide you with the cheapest rates.

Insurance agents can help

When buying coverage for your vehicles, there isn't really a single plan that fits everyone. Every insured's situation is different.

For example, these questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Georgia minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

More detailed Georgia auto insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can download brochures, file complaints about a company, and view agent and company licensing information.

Other informative sites include this site for auto insurance rates in Georgia and this list of insurance agents in Fayetteville.

Georgia auto insurance

Best coverage at the best price

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, high prices, delays in paying claims or even high rates after DUI convictions. No matter why you want to switch, switching auto insurance companies is easier than you think.

Throughout this article, we presented a lot of information how to save on auto insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

When shopping online for auto insurance, make sure you don't buy poor coverage just to save money. There are too many instances where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.