5 Discounts Hampton Consumers Forget when Shopping for Car Insurance

Are you overwhelmed by the wide range of car insurance options in Hampton? Many other drivers are as well. There are so many companies to choose from that it can turn into more work than you anticipated to find the perfect company for you.

Finding affordable coverage in Hampton is easy if you know what you're doing. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. But Georgia consumers do need to know the way companies determine prices.

Policy discounts you shouldn't miss

Companies do not list every discount very clearly, so the following is a list of both the well known and the more hidden ways to save on car insurance.

  • No Accidents - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Low Mileage Discounts - Keeping the miles down could qualify for better rates on cars that stay parked.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Paperwork-free - A few companies may give you up to $50 for buying a policy and signing up over the internet.

Drivers should understand that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all make the same claim that you'll save big if you move to their company. How does each company claim to save you money?

Insurance companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which leads to the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much. That's the way companies can make the claims of big savings. This emphasizes why you should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Find out more about car insurance

More detailed Georgia car insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read industry bulletins, find disaster information, and view a list of available companies.

Also read more on this online resource for car insurance quotes in Georgia and this list of insurance agents in Hampton.

car insurance in Hampton

The best insurance company isn't always the cheapest

Insureds who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices and even delays in paying claims. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

Budget-conscious car insurance is possible both online and also from your neighborhood Hampton agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.