Tightwads Guide for Saving on Jeffersonville Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are a lot of people in Jeffersonville just like you who feel imprisoned by their auto insurance policy.
Big companies like GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.
It's important to check auto insurance prices every six months since insurance rates are constantly changing. Even if you got the lowest price a few years ago you will most likely find a better rate today. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to put money back in your pocket.
If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Finding the best rates in Jeffersonville is not that difficult. Although Georgia vehicle owners do need to know how the larger insurance companies price online insurance because it can help you find the best coverage.
These discounts can lower your rates
The price of auto insurance can be rather high, but there are discounts available that many people don't even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied before you will receive the discount.
- Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Bundle and Save - If you have multiple policies with one insurance company you may save approximately 10% to 15%.
- Accident Free - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
- Military Rewards - Being on active duty in the military could mean lower rates.
- Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Drive Less and Save - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce the cost of coverage.
Are you falling for claims of savings?
Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to make an identical promise about savings if you switch to them. How can each company say the same thing? This is how they do it.
All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and has a short commute. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.
Potential insureds who are not a match for the requirements will have to pay more money and ends up with business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That's the way companies can truthfully make the claims of big savings.
Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.
Learn more about Georgia auto insurance
Additional information is located on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia drivers can file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and read industry bulletins.
Do the work, save more money
As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage for the lowest price.
The cheapest auto insurance can be found on the web and with local Jeffersonville insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
