Comparing Low-Cost Fort Gaines Auto Insurance

Tired of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in Georgia. Because there are so many companies to choose from, it can be impossible to find the most affordable insurance company.

It's important to do rate comparisons before your policy renews because prices are constantly changing. Even if you got the best price last year there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you're about to learn the tricks you need to know to get good coverage at a lower rate.

Why some people pay less for insurance in Fort Gaines

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend in the event of a claim. The higher the amount you're willing to pay, the less your company will charge you for insurance.
  • Keep rates low by being claim-free - If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Georgia provide discounts to insureds who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • Where you live can impact rates - Being located in small towns and rural areas can be a good thing when talking about auto insurance. City drivers regularly have much more traffic and longer commute times. Less people living in that area means fewer accidents.
  • Cautious drivers pay less - Your driving citation history has a big impact on rates. Good drivers have lower premiums compared to drivers with tickets. Just one moving violation can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Your credit rating is important - Credit history is a important factor in your rate calculation. So if your credit score is not that good, you could save money insuring your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Pleasure use saves money - Driving more miles every year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your auto insurance coverage properly reflects the proper vehicle usage.
  • Liability coverage is cheap - Liability coverage will protect you if ever you are found liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Compare Fort Gaines Auto Insurance Costs

Reducing your insurance rates is a fairly straight forward process. Just take a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for separate forms for each company you want a rate for. In just a few minutes this one form gets rate comparisons from several companies.
  2. A slightly less efficient method to compare rate quotes is spending the time to visit each individual company website and fill out their own quote form. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Fort Gaines, click here.

Which method you use is up to you, but ensure you're using apples-to-apples information for every quote you compare. If you compare higher or lower deductibles it will be impossible to determine the best price in Fort Gaines.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked for prior to receiving the credit. If you don't get every credit available, you are paying more than you should be.

  • Homeowners Pay Less - Owning a house in Fort Gaines may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Bundle and Save - If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • Good Students Pay Less - This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • One Accident Forgiven - Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

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

Are auto insurance companies telling the truth?

Consumers in Georgia can't ignore all the ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings after switching to them.

But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that makes them money. For example, a desirable insured might be between the ages of 40 and 55, is a homeowner, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save money. That's why companies can truthfully advertise the savings.

Because of the profiling, you need to get as many quotes as possible. It's impossible to know the company that will give you the biggest savings.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner located here. Visitors are able to report car insurance fraud, download brochures, view agent and company licensing information, and file complaints about a company.

Other informative sites include this page for Georgia auto insurance and this page for help finding agents in Fort Gaines, GA.

And the best car insurance company is...

Cheaper auto insurance can be purchased both online and with local Fort Gaines insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. In many cases, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.