Finding Cheap Fort Oglethorpe Auto Insurance

No one looks forward to buying auto insurance, especially knowing they are paying too much. There is such a variety of to buy insurance from, and although it's nice to have a selection, so many choices can make it hard to compare rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be asked about before they will apply. If you're not getting every credit you qualify for, you're paying more than you need to.

Homeowners Savings - Owning a home in Fort Oglethorpe can help you save on auto insurance because owning a home demonstrates responsibility.
Early Signing - Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
Good Student - A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
Senior Discount - Mature drivers may qualify for a discount up to 10%.
Seat Belts Save - Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.

Keep in mind that most discount credits are not given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it just doesn't work that way. But any discount will bring down the cost of coverage.

To see a list of insurers offering auto insurance discounts in Georgia, click here to view.

Vehicle Insurance Comparison

Most companies like Allstate, GEICO and Progressive allow you to get insurance quotes directly from their websites. Getting online quotes doesn't take much effort as you just enter your personal and coverage information as detailed in the form. Once you submit the form, their system will obtain your driving record and credit report and quotes a price based on many factors. Being able to quote online makes it a lot easier to compare rates but having to visit many different websites and type in the same information is not the best way to spend an afternoon. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

The preferred way to compare rates requires only one form to get prices from many companies. The form is fast, requires less work, and makes online shopping a lot less work. Immediately after you send the form, it is rated and you can choose any one of the price quotes you receive.

If a lower price is quoted, it's easy to complete the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter the insurance coverages as shown on your current policy. This makes sure you will be getting a fair comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Knowing what influences your rates helps enable you to make changes that could result in better auto insurance rates.

Listed below are some of the items that factor into premiums.

What are your deductibles? - Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, collision with an animal, and rolling your vehicle. The more expense the insured has to pay upfront, the lower your rates will be.
High performance equals high price - The type of car you are insuring makes a significant difference in how high your rates are. The lowest rates are usually for economy passenger cars, but other factors influence the final cost greatly.
A clean driving record saves money - Only having one ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to continue driving.
Are you male or female? - Statistics show that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different so your insurance should reflect that For instance, these questions may help highlight whether you would benefit from an agent's advice.

When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Georgia?
Should I put collision coverage on all my vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Do I have coverage for damage caused while driving under the influence?

If you're not sure about those questions, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

How can Allstate, GEICO and Progressive save drivers who switch?

Georgia drivers can't get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise that you can save if you switch your policy.

How does each company say the same thing?

Different companies have a certain "appetite" for the right customer that is profitable for them. A good example of a profitable customer might be profiled as between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher rates and ends up with business not being written. The ads say "customers that switch" not "everybody who quotes" save that kind of money. That is how insurance companies can advertise the way they do.

This illustrates why drivers must compare as many rates as you can. It's not possible to predict which company will provide you with the cheapest rates.

And the best car insurance company is...

Affordable auto insurance is available on the web in addition to many Fort Oglethorpe insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. In too many instances, someone dropped collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

More information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia drivers can report car insurance fraud, learn about specific coverages, file complaints about a company, and learn about insurance regulations.