Car Insurance in Loganville - 6 Discounts to Save Money

Beginners to buying insurance online may find shopping for affordable Loganville car insurance quite challenging.

It's important to shop coverage around occasionally since rates are constantly changing. Even if you got the best rates two years ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to reduce your car insurance bill.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Locating the lowest cost protection in Loganville can be fairly easy. Although Georgia car owners do need to know how the larger insurance companies price insurance differently.

Automobile Insurance Quotes in Loganville, GA

Effectively comparing car insurance prices can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Loganville, or you could use the web to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company then gives them pricing determined by their information. This saves time by eliminating quote requests to each individual car insurance company.

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

The one disadvantage to using this type of form is buyers cannot specifically choose which providers you want pricing from. If you would rather choose specific providers to request quotes from, we put together a list of companies who write car insurance in Georgia. Click to view list.

It's up to you which method you use, but make absolute certain that you use exactly the same information with each company. If your comparisons have higher or lower deductibles then you won't be able to make an equal comparison in Loganville. Quoting even small variations in coverages may result in large price differences. And when quoting car insurance, remember that comparing more company's prices will improve the odds of getting the best price.

Don't pay full price with these six discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount.

  • Accident Forgiveness - A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • New Car Discount - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will reduce your premiums.

To choose companies who offer car insurance discounts in Loganville, click here to view.

The car insurance bait and switch

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to make an identical promise about savings after switching your coverage to them. How can each company make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, owns a home, and chooses high deductibles. Any new insured who meets those qualifications receives the best rates and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money and ends up with business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save that much money. That is how companies can truthfully state the savings.

Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Additional information can be read on the Georgia Insurance and Safety Fire Commissioner website found here. Consumers can learn about insurance regulations, find out industry alerts, and file complaints about an insurance agent or broker.

Loganville car insurance quote

Final considerations

The cheapest car insurance can be purchased from both online companies as well as from independent agents in Loganville, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

People change insurance companies for a variety of reasons including denial of a claim, policy cancellation, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company is easier than you think.