Car Insurance in Metter - 7 Discounts to Save Money

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Georgia. Because there are so many different company options, it can be hard to locate the most affordable insurance company.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the best rates last year a different company probably has better rates today. There is a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to find cheap car insurance.

Policy discounts you shouldn't miss

Car insurance companies don't always advertise all their discounts very well, so the following is a list of both the well known and also the lesser-known car insurance savings. If you don't get every credit available, you are throwing money away.

  • Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Bundle and Save - If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Good Students Pay Less - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break on car insurance.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

Metter car insurance comparison

Save $429 a year? Really?

Consumers in Georgia get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching to them.

But how can every company claim to save you money? It's all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully claim big savings. Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to learn about insurance regulations, view a list of available companies, view agent and company licensing information, and file complaints about a company.

Also read more on this Car Insurance FAQ and this page of insurance agents in Metter.

compare Metter car insurance rates

In the end, you save

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price.

We just covered a lot of information how to reduce car insurance prices online. The most important thing to understand is the more times you quote, the better chance you'll have of finding lower rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like .