Moultrie Auto Insurance For Less Than You're Paying Now

Searching for the most affordable Moultrie auto insurance on the web can seem to be somewhat difficult for consumers new to comparison shopping online. With so many choices of online companies, how can you even start to compare the different rates to find the lowest price available?

It's important to price shop coverage quite often since insurance rates are constantly changing. If you had the best rates last year there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to reduce your auto insurance bill.

Locating affordable auto insurance coverage in Moultrie can be fairly easy. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to lower their premiums. Nevertheless, Georgia vehicle owners do need to know how insurance companies determine prices.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.

  • Being married can save on auto insurance - Getting married actually saves money on your auto insurance policy. It usually means you are more mature and responsible and it's proven that married drivers get in fewer accidents.
  • Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. They both have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
  • Special features that cut premiums - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • High numbers of claims are not good - Car insurance companies in Georgia give lower rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Rate your vehicle for proper use - The more you drive in a year's time the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance policy shows the correct driver usage.

Free Quotes for Auto Insurance in Moultrie, Georgia

Shopping for lower auto insurance rates can be challenging if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Moultrie, or you could save time and use the web to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do quote requests for each company you want a rate for.

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

The one disadvantage to comparing rates this way is you don't know exactly which providers you want pricing from. So if you want to choose specific insurance companies to receive pricing from, we have a listing of auto insurance companies in Georgia. View list of Georgia insurance companies.

It doesn't matter which method you choose, just make darn sure you compare identical deductibles and coverage limits on every quote you get. If you use different values for each quote it's not possible to determine which rate is truly the best in Moultrie. Having just a slight variation in coverage limits may result in large price differences. And when comparison shopping, comparing more company's prices helps locate better pricing.

How much can you save with discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you quote, but some may not be applied and must be asked for prior to getting the savings.

  • Sign Online - A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Senior Discount - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Drivers Education - Cut your cost by having your teen driver complete a driver education course in high school.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Auto/Life Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.

It's important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To choose companies with the best auto insurance discounts in Georgia, click this link.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to make the same claim of big savings if you move your policy. How does each company say the same thing?

All the different companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and has great credit. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a higher premium which leads to business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

How much car insurance do I need?

When buying coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If it's difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Additional auto insurance information can be read on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia drivers can get help finding coverage, learn about insurance regulations, and view a list of available companies.

Moultrie auto insurance comparison

Shop smart and save

Low-cost auto insurance is possible on the web in addition to many Moultrie insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford.

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, unfair underwriting practices or even extreme rates for teen drivers. It doesn't matter what your reason, choosing a new insurance company is easier than you think.