Lumpkin Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of auto insurance company choices in Lumpkin? Many other drivers are as well. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find the best price.

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. If you had the lowest rates a few years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. The purpose of this article is to tell you how to get online quotes and some money-saving tips. But Georgia vehicle owners do need to know the way companies market on the web and use this information to your advantage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Senior Discount - Mature drivers can possibly qualify for reduced rates.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Accident Free - Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Auto/Life Discount - Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Defensive Driving Course - Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Student Driver Training - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may save 10% to 20% off each policy.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

To see a list of companies with the best auto insurance discounts in Lumpkin, click this link.

Lumpkin auto insurance comparison

Compare the Market for Auto Insurance in Lumpkin

Most companies such as Progressive, GEICO, Allstate and State Farm give prices for coverage directly from their websites. Getting online quotes is fairly straightforward as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, their system will obtain your driving and credit reports and returns a price quote based on these and other factors.

Online price quotes makes comparing rates easy, but the time required to go to a lot of sites and enter the same data into a form is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to get better auto insurance pricing.

The preferred way to find better auto insurance pricing requires only one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable. After sending the form, your coverage is rated and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter the coverage information just like they are on your policy. This makes sure you will receive a fair comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

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

  • Men fork out a little more - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Men and women are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
  • Safer cars cost less to insure - Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you.
  • Rates may be higher depending on your occupation - Jobs such as lawyers, executives and accountants tend to pay higher rates than average because of stressful work requirements and long work hours. On the flip side, occupations such as actors, athletes and the unemployed have the lowest average rates.
  • Small claims can cost you - Car insurance companies in Georgia give better rates to people who file claims infrequently. If you are a frequent claim filer, you can expect higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Rate your vehicle for proper use - The more you drive in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage based on how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your auto insurance policy is showing the correct driver usage.
  • Policy add-ons can waste money - There are a lot of extra coverages that you can buy if you aren't careful. Coverages like rental car reimbursement, towing coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don't need them get rid of them and save.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.

Are you falling for claims of savings?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make the same claim that you'll save big if you move to them. How do they all say the same thing?

Different companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has a short commute. A propective insured who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a more expensive rate which leads to business not being written. Company advertisements say "customers that switch" not "everybody who quotes" save money. That's the way companies can make the claims of big savings.

Because of the profiling, drivers must compare many company's rates. It's not possible to predict which auto insurance company will fit your personal profile best.

Shop smart and save

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford.

Budget-conscious auto insurance is definitely available on the web and with local Lumpkin insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Insureds who switch companies do it for a number of reasons such as denial of a claim, delays in responding to claim requests, high rates after DUI convictions or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

auto insurance in Lumpkin

Much more information about auto insurance in Georgia can be found on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia drivers can learn about insurance regulations, find disaster information, and read industry bulletins.