Tightwads Tips for Saving on Montezuma Car Insurance

Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Georgia. You have multiple to pick from, and although it's nice to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews because rates are constantly changing. If you had the best deal last year the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because you're going to learn the only way to remove unneeded coverages and save money.

Buying the lowest cost car insurance coverage in Montezuma is simple if you know the tricks. If you are insured now or need new coverage, you can follow these tips to get lower rates and still get good coverage. Georgia vehicle owners just need to know the best way to find the lowest price online.

Don't pay full price with these discounts

Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for before you get the savings. If you're not getting every credit available, you're paying more than you need to.

Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
Sign Early and Save - Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
Passive Restraints - Vehicles with factory air bags may earn rate discounts of more than 20%.
Low Mileage - Keeping the miles down can qualify you for better rates on cars that stay parked.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.
Accident Free - Claim-free drivers can earn big discounts compared to bad drivers.
Defensive Driving Course - Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down your premiums.

To see a list of providers with the best car insurance discounts in Georgia, click this link.

How to Compare Montezuma Car Insurance Rates

Shopping for lower car insurance rates can take time and effort if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Montezuma, or you could use the web to get prices fast.

Many insurance companies take part in a program that enables customers to complete one form, and each participating company can give them a price for coverage. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

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

The only drawback to comparing rates this way is buyers cannot specifically choose which carriers you want to price. So if you prefer to pick from a list of companies to request quotes from, we have a page of companies who write car insurance in Georgia. View list of Georgia insurance companies.

It's up to you how you get prices quotes, just ensure you're using identical coverages on every quote you get. If you use different limits and deductibles on each one you can't possibly determine which rate is truly the best in Montezuma.

Why some people pay less for insurance in Montezuma

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

Bundling policies can get discounts - The majority of car insurance companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
No coverage gaps is important - Not having insurance is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with the Georgia department of motor vehicles.
Claim-free discounts can add up - If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in Georgia give lower rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Your location affects your rates - Being located in small towns and rural areas has it's advantages when it comes to car insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
How's your driving record? - Your driving record has a lot to do with how much you pay for insurance. Good drivers get better rates than people who have multiple driving citations. Only having one ticket can increase rates by twenty percent. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
Your credit rating is important - Your credit rating is a big factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit. Therefore, if your credit rating can use some improvement, you could pay less to insure your by spending a little time repairing your credit.
Do you need those extra coverages? - There are a lot of extra bells and whistles you can purchase on your policy. Coverages for personal injury protection, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don't need them eliminate them to save money.
Rates may be higher depending on your occupation - Occupations like doctors, executives and financial analysts tend to pay higher average rates due to stressful work requirements and long work days. Conversely, jobs such as farmers, engineers and the unemployed have the lowest average rates.

The car insurance bait and switch

Consumers can't get away from ads for the lowest price auto insurance by companies like Allstate and Progressive. All the ads make the same claim that you'll save big if you move to them.

How does each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the type of driver that is profitable for them. An example of a preferred risk could be between the ages of 40 and 55, is a homeowner, and has great credit. A customer who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards will be charged a higher premium which leads to business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save money. That's why companies can advertise the savings.

That is why drivers must quote coverage with many companies. Because you never know the company that will give you the biggest savings.

In the end, you save

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at the best price, not the least amount of coverage.

We just showed you some good ideas how to compare car insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a small mutual company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as .

Learn more today

Much more information about car insurance in Georgia is available on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can read consumer alerts, find a variety of consumer forms, download brochures, and view agent and company licensing information.

Additional helpful sites include Wikipedia and this Montezuma agent directory.