How to Know You're Paying Too Much for Auto Insurance in Fort Gordon

I can't think of anyone who cherishes buying auto insurance, particularly when they are paying too much. Numerous battle for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest price

It's important to check auto insurance prices periodically because prices are constantly changing. If you had the lowest price a few years ago you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

How much can you save with discounts?

Auto insurance companies don't always advertise all their discounts in an easy-to-find place, so we researched both the well known and the harder-to-find auto insurance savings. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Save with a New Car - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Accident Forgiveness - A few companies will allow you to have one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Sign Early and Save - Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

Fort Gordon auto insurance comparison

How much car insurance do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions may help highlight if your insurance needs might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Georgia get pounded daily by advertisements for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you move to them.

How do they all claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will have to pay higher premiums which usually ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the way they do. Because of the profiling, you should quote coverage with many companies. It's impossible to know which company will provide you with the cheapest rates.

Additional Georgia consumer information

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, view a list of available companies, and find out which companies have the most complaints.

Georgia auto insurance

In the end, you save

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price.

We covered a lot of tips how to reduce auto insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .