Find Cheaper Norcross Car Insurance

Are you overwhelmed by the dozens of car insurance options in Norcross? Lot's of other consumers are too. You have so many options available that it can turn into a big hassle to compare prices.

It's important to do rate comparisons at least once a year because rates are constantly changing. Just because you found the lowest price a few years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to find cheap car insurance.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Shopping for affordable car insurance in Norcross is easy if you know what you're doing. But Georgia car owners do need to know the way insurance companies sell online because it can help you find the best coverage.

How much can you save with discounts?

Companies offering auto insurance don't necessarily list every available discount in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using.

Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates on your policy.
Homeowners Discount - Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.
Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.
55 and Retired - If you qualify as a senior citizen, you may receive reduced rates.
Accident Free - Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way.

Why some people pay less for insurance in Norcross

Smart consumers have a good feel for the different types of things that play a part in calculating your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

Consolidate policies to earn discounts - Some insurers give discounts to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal. Drivers may still find a better deal by buying insurance from more than one company.
Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you.
Don't sacrifice liability coverage - Your policy's liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. It provides legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more you're willing to pay, the less your car insurance will be.
How's your driving record? - Your driving record impacts your car insurance rates tremendously. Good drivers have lower premiums than their less careful counterparts. Even one ticket can increase rates forty percent or more. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Do you work long hours in a high stress job? - Occupations like judges, business owners and accountants tend to pay higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and retirees have the lowest average rates.
Equipment add-ons that lower car insurance rates - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

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

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise that you'll save big if you change to them. How do they all make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. For instance, a preferred risk could be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's the way companies can advertise the way they do. That is why drivers should get as many quotes as possible. Because you never know which car insurance company will provide you with the cheapest rates.

More detailed Georgia car insurance information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can read consumer alerts, find disaster information, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

When shopping online for car insurance, never skimp on coverage in order to save money. Too many times, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious car insurance can be sourced from both online companies and with local Norcross insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just showed you some good ideas how you can reduce car insurance prices online. It's most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with the least-expected company.