Proven Ways to Save on Lakeland Auto Insurance

No one in their right mind looks forward to paying for auto insurance, in particular when the cost is too high. Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and consumers find it hard to sift through the bull and find the best price available.

It's important to compare prices periodically because prices are constantly changing. Even if you think you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

If you have a policy now or need a new policy, you can learn to find better prices and possibly find even better coverage. Finding the best rates in Lakeland is not that difficult. Georgia consumers only need to know the most efficient way to shop for auto insurance on the web.

These discounts can lower your rates

Car insurance is not cheap, but you can get discounts to help bring down the price. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied before being credited. If you aren't receiving every discount you qualify for, you are throwing money away.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
Low Mileage - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
Accident Forgiveness - A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So when the math indicates you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

Different people need different coverages

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different so your insurance should reflect that For instance, these questions may help highlight whether you might need an agent's assistance.

Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Do I have any recourse if my insurance company denies a claim?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Georgia consumers get pounded daily by advertisements for cheaper car insurance by Allstate and Progressive. All the ads make an identical promise about savings if you change to their company.

How can each company make almost identical claims?

Different companies have a certain "appetite" for the driver that earns them a profit. A good example of a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "everybody who quotes" save that much. That is how companies can truthfully advertise the way they do.

That is why you should get a wide range of price quotes. It's impossible to know which company will provide you with the cheapest rates.

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia consumers can find out industry alerts, file complaints about a company, find disaster information, and view a list of available companies.

And the best car insurance company is...

When shopping online for auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just read many tips how you can reduce auto insurance prices online. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .

The cheapest auto insurance is attainable online and also from your neighborhood Lakeland agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.