Tightwads Guide to Saving on Morrow Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out. Having so many companies and agents to choose from, it's difficult to find the right car insurance company.

It's important to compare prices at least once a year since rates are constantly changing. Just because you had the best deal on your last policy there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the rating factors that go into determining your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate rates.

Are you male or female? - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but the males cause more damage. They also have more aggressive citations such as reckless driving. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.
Extra add-on coverages are wasting money - There are many extra coverages that you can buy on your policy. Things like personal injury protection, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so remove them from your policy.
Tickets mean higher rates - Your driving citation history has a big impact on rates. Drivers who don't get tickets receive lower rates than bad drivers. Only having one speeding ticket can bump up the cost forty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Do you know you're credit rating? - Credit score is a large factor in calculating your car insurance rates. Therefore, if your credit rating is lower than you'd like, you could save money insuring your by improving your rating. People with excellent credit tend to be more responsible than those with poor credit.
More than one policy can earn a discount - Most car insurance companies will give a discount to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and burglary. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more money you have to pay, the less your car insurance will be.
Safer cars are cheaper to insure - Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.

Comprehensive Morrow Car Insurance Comparison Quotes

All major car insurance companies allow you to get price estimates on their websites. Getting quotes is quite simple as you just type in the coverage amounts you desire into the quote form. After the form is submitted, their rating system will obtain your credit score and driving record and returns a price determined by many factors. This streamlines rate comparisons, but having to visit each company's website and repetitively enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to find a lower rate.

The preferred way to find better car insurance pricing is to use a quote form that gets price quotes from more than one company. It's a real time-saver, reduces the work, and makes online shopping a little more enjoyable. After sending your information, it is rated and you can choose any or none of the resulting price quotes. If the quotes result in lower rates, it's easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have a policy now, it's recommended you type in the coverage information exactly as shown on your declarations page. This makes sure you will be getting comparison quotes for the exact same coverage.

More discounts equal less premium

Companies that sell car insurance do not advertise all their discounts very well, so here is a list some of the more common and the more hidden ways to save on car insurance. If you don't get every credit possible, you are paying more than you should be.

55 and Retired - If you're over the age of 55, you may qualify for a small decrease in premiums.
Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
Early Signing - A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

It's important to note that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you're out of luck.

To choose companies offering car insurance discounts in Georgia, click this link.

Switch companies and save? Really?

Consumers can't ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you can save if you switch your coverage to them.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could be between 25 and 40, has no tickets, and has great credit. Any new insured who matches those parameters will get very good rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher prices which leads to business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can learn about insurance regulations, discover disciplinary actions, file complaints about a company, and find out industry alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Morrow.

Best coverage at the best price

When you buy insurance online, do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate.

Lower-priced car insurance is available from both online companies as well as from independent agents in Morrow, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.

You just learned some good ideas how to compare car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn't do a lot of advertising. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .