Top 7 Ways to Save Money on Car Insurance in Oakwood

Expensive car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare rates yearly since rates are constantly changing. Even if you think you had the lowest rates a few years ago you can probably find a lower rate today. So just ignore everything you know about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.

Georgia car insurance quotes

How to Get Cheap Car Insurance in Oakwood, GA

Most companies allow you to get prices on the web. Getting quotes is quite easy as you just type in your required coverages as detailed in the form. When the form is submitted, their rating system will obtain your credit score and driving record and generates pricing information based on these and other factors. Online quotes simplifies rate comparisons, but the time it takes to visit several different sites and enter the same data into a form gets old quite quickly. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

There is a better way!

A quicker way to compare car insurance pricing is to use a quote form that obtains quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick your choice of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This ensures you're receiving comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies don't always list all their discounts in a way that's easy to find, so we break down some of the more common and the harder-to-find car insurance savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Discount for Life Insurance - Some companies give better rates if you take out auto and life insurance together.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Accident Waiver - A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • New Car Discount - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

It's important to note that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you're out of luck.

To see a list of companies with discount car insurance rates in Oakwood, follow this link.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique and a cookie cutter policy won't apply. For instance, these questions can help discover whether you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Learn more about car insurance in Georgia

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, find disaster information, and view a list of available companies.