7 Ways You Can Buy Car Insurance for Less in Monroe Georgia

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are lots of people in the same boat.

Multiple compete for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to compare prices every six months since rates are constantly changing. Just because you found the lowest price a year ago a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to get good coverage at a lower rate.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Monroe is easy if you know what you're doing. But Georgia car owners do need to know how insurance companies sell online because it can help you find the best coverage.

More discounts equal less premium

Companies don't list all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known car insurance savings.

  • Sign Online - Certain companies will give a small break for buying a policy and signing up on their website.
  • Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Homeowners Discount - Owning a house in Monroe may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Clubs and Organizations - Belonging to certain professional organizations could qualify you for a break on car insurance.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies don't profit that way.

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to say the same thing that you'll save big after switching to their company. How do they all make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could be over the age of 50, has no driving citations, and has excellent credit. Any new insured who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can make those claims. Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

More detailed Georgia car insurance information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can get help finding coverage, find out which companies have the most complaints, discover disciplinary actions, and report car insurance fraud.

The best insurance company isn't always the cheapest

Discount car insurance can be sourced from both online companies and also from your neighborhood Monroe agents, and you should be comparing both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

While you're price shopping online, you should never skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to discover later they didn't purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford.