Find the Cheapest Fort Valley Car Insurance

Purchasing cheap Fort Valley car insurance on the web can seem to be intimidating for beginners to shopping for insurance online. Since there are so many companies in the marketplace, how can consumers possibly compare every one to find the cheapest rates?

It's important to check car insurance prices on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the best rates a few years ago a different company probably has better rates today. There is a lot of bad advice regarding car insurance online, so I'm going to show you some great ways to find cheap car insurance.

If you have a current car insurance policy or need new coverage, you can learn to get lower rates while maintaining coverages. Locating affordable protection in Fort Valley can be fairly easy. Georgia drivers only need an understanding of the tricks to get comparison rates over the internet.

Save big with these discounts

Auto insurance companies don't always list all their discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known ways to save on car insurance. If you aren't receiving every discount you deserve, you are throwing money away.

  • College Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Sign Online - Certain companies may give you up to $50 simply for signing digitally online.
  • Own a Home - Owning a house in Fort Valley may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Bundle and Save - If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

It's important to understand that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn't quite work that way.

Fort Valley car insurance comparison

What determines how much you pay?

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • Older drivers pay less - More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers are known to get distracted easily when driving and because of this, their car insurance rates are much higher.
  • Discounts for married couples - Getting married can get you a discount on your car insurance policy. It is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Car features impact rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Bad driving skills means higher rates - Good drivers get better rates compared to drivers with tickets. Only having one citation can increase rates by as much as thirty percent. Drivers who have flagrant citations such as 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.
  • More people means more accidents - Residing in a rural area can be a good thing when talking about car insurance. Fewer people means fewer accidents and a lower car theft rate. City drivers have much more traffic to deal with and a longer drive to work. More time commuting means more change of being in an accident.
  • Discounts for multiple policies - Many car insurance companies will give a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it's still a good idea to compare other company rates to make sure you are getting the best deal.

Car insurance ads bend the truth

Consumers in Georgia get pounded daily by advertisements for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings after switching to them.

How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of driver that earns them a profit. A good example of a desirable insured might be over the age of 50, insures multiple vehicles, and has a short commute. Any driver who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates which leads to the customer not buying. The ad wording is "customers who switch" not "people who quote" save money. This is how insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.

More tips and info about car insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, and view a list of available companies.

And the best car insurance company is...

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price.

Low-cost car insurance can be sourced both online and with local Fort Valley insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, unfair underwriting practices and even high prices. Whatever your reason, finding a new car insurance company is less work than it seems.