Easy Tips to Save Money on Lithonia Auto Insurance

Are you intimidated by the wide range of auto insurance companies in Lithonia? Many other consumers are too. You have so many choices that it can turn into a big hassle to find the lowest price.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in better auto insurance rates.

  • Safe vehicles cost less to insure - Safer cars get lower rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
  • Do you have enough liability coverage? - Your policy's liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Being married is a good thing - Getting married helps lower the price on auto insurance. Having a spouse usually means you are more mature and it's statistically proven that being married results in fewer claims.
  • Do you work long hours in a high stress job? - Occupations such as real estate brokers, social workers and financial analysts are shown to have higher average rates attributed to high stress and long work hours. Conversely, jobs such as actors, engineers and retirees pay the least.
  • Don't get talked into coverage you don't need - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Careful drivers pay lower rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.

auto insurance in Lithonia

Compare Quotes for Lithonia Auto Insurance

Performing a rate comparison can be exhausting if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Lithonia, or you can utilize the web to achieve your goal.

Most of the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify which providers to get pricing from. If you prefer to choose individual companies to compare, we have assembled a list of low cost auto insurance companies in Georgia. Click here to view list.

However you get your quotes, ensure you are comparing identical quote information for each price quote. If you enter mixed coverages it will be next to impossible to truly determine the lowest rate in Lithonia. Slightly different limits could mean much higher rates. Just remember that having more price comparisons helps locate a better price.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked for before you will receive the discount.

  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
  • Organization Discounts - Participating in a qualifying organization may earn a discount when buying auto insurance.
  • Multiple Cars - Having all your vehicles with the same company could earn a price break for each car.
  • Paperless Signup - Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • No Claims - Drivers with accident-free driving histories pay less when compared with accident-prone drivers.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, it just doesn't work that way. But any discount will bring down your premiums.

To choose insurers with discount auto insurance rates in Georgia, click here.

The auto insurance bait and switch

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies have a common claim that you can save if you change your policy. How does each company make almost identical claims?

Different companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer could possibly be a mature driver, has no driving citations, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Drivers who don't measure up to these standards must pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can advertise the savings.

This illustrates why you need to get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

More information can be read on the Georgia Insurance and Safety Fire Commissioner website through this link. Georgia consumers can find disaster information, find out which companies have the most complaints, and get help finding coverage.

Do the work, save more money

Affordable auto insurance can be sourced online in addition to many Lithonia insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Drivers leave their current company for many reasons like delays in responding to claim requests, questionable increases in premium, lack of trust in their agent or even an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider is easier than you think.

You just read a lot of techniques to compare auto insurance prices online. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.