Comparing the Cheapest Homerville Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as millions of other consumers. Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to check auto insurance prices before your policy renews because prices are constantly changing. If you had the lowest rates two years ago the chances are good that you can find a lower rate today. So forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Most are applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you aren't receiving every discount available, you're paying more than you need to.

  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Accident Free - Claim-free drivers can save substantially as compared to bad drivers.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Homeowners Pay Less - Owning a house in Homerville can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Sign Early and Save - Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To see a list of companies with the best auto insurance discounts in Homerville, click here to view.

Georgia auto insurance quotes

Cheap Homerville Auto Insurance Comparisons

Finding cheaper auto insurance prices is actually quite simple. Consumers just need to take the time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The best way to get quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for multiple quote forms for every auto insurance company. In just a few minutes this one form will return price quotes from multiple low-cost companies.
  • A more difficult way to shop for auto insurance online consists of visiting the website for each individual company and fill out their own quote form. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Homerville, click here.
  • The least recommended way of comparing rate quotes to local Homerville insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance of a local Homerville agent. However, consumers can obtain prices from the web but buy from a local insurance agent. We'll cover that shortly.

It's up to you which method you use, but ensure you're using exactly the same deductibles and coverage limits for every quote you compare. If you are comparing different values for each quote it's not possible to determine the best price in Homerville.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" companies use to determine rates.

  • Rate your vehicle for proper use - The more you drive every year the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy is rated on the correct driver usage.
  • Rates may be lower depending on your job - Jobs such as lawyers, business owners and dentists tend to pay the highest average rates because of high stress levels and lengthy work days. Other occupations like farmers, historians and the unemployed have the lowest average rates.
  • Too many auto insurance claims drive up costs - Car insurance companies in Georgia award cheaper rates to insureds who file claims infrequently. If you file claims often, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Your car's features help determine rates - Driving a car with an alarm system can help bring down rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount you're willing to pay, the less your company will charge you for insurance.
  • Careful drivers pay lower rates - Your driving citation history has a huge affect on how much you pay. Just one moving violation can increase rates by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Multi-policy discounts can save money - The majority of insurers will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you're getting this discount you still need to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • Liability coverage protects you - The liability section of your policy will protect you if ever a court rules you are at fault for damages from an accident. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Save $429 a year? Really?

Georgia consumers can't get away from ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you move to them.

How can each company make almost identical claims?

All companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured could possibly be over the age of 40, is a homeowner, and chooses high deductibles. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's why companies can truthfully state the savings.

Because of the profiling, drivers must quote coverage with many companies. It's impossible to know the company that will give you the biggest savings.

Best coverage at the best price

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Cheap auto insurance is possible online and with local Homerville insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia consumers can file complaints about an insurance agent or broker, read industry bulletins, download brochures, and view a list of available companies.