Ocilla Car Insurance For Less Than You're Paying Now

Are you intimidated by the number of car insurance choices in Ocilla? Lot's of other consumers are too. Drivers have so many options that it can turn into more work than you anticipated to locate the lowest price.

It's important to check car insurance prices every six months since rates are constantly changing. Just because you had the best deal six months ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Take advantage of discounts

Companies that sell car insurance don't always publicize every available discount in a way that's easy to find, so here is a list both the well known as well as the least known savings tricks you should be using.

Discount for Good Grades - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
Homeowners Discount - Being a homeowner can help you save on car insurance because owning a home requires personal responsibility.
Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Multi-policy Discount - When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
No Charge for an Accident - A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like you could get a free car insurance policy, you won't be that lucky.

To see a list of providers offering car insurance discounts in Ocilla, click here to view.

How to Compare Car Insurance in Ocilla, Georgia

There are several ways to get quotes from car insurance companies in your area. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

The best way to get quotes is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating boring form submissions for each company. Filling out one form will return quotes from all major companies. It's the fastest way to compare.
A more time consuming way to compare rate quotes is to take the time to go to each company website to complete a price quote. For instance, let's assume you want to compare rates from , and . You would have to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in Ocilla, click here.
The least recommended method to compare rates is to waste gas driving to insurance agents' offices. The internet has reduced the need for local agents unless you require the trained guidance of a licensed agent. However, consumers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing exactly the same coverages and limits for every company. If your comparisons have different deductibles it's not possible to decipher which rate is best in Ocilla. Quoting even small variations in coverages can make a big difference in price. Just remember that quoting more will increase your chances of finding a lower rate.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get better car insurance rates.

Listed below are some of the factors companies use to determine your rates.

Poor driving leads to higher costs - Your driving record has a huge affect on how much you pay. Good drivers have lower premiums than bad drivers. Even one moving violation can increase rates forty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be a windshield shattered by a rock, collision with an animal, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay before your car insurance pays a claim. The more money you're willing to pay, the less your car insurance will be.
Better credit means lower rates - Your credit score is a important factor in calculating your car insurance rates. So if your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
Lower rates with optional equipment - Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Where you live can impact rates - Choosing to live in a small town has it's advantages when talking about car insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Drivers in populated Georgia areas have congested traffic and longer commute times. More time commuting means more change of being in an accident.
Pay less after the wedding - Being married can actually save you money on your policy. Marriage is viewed as being more responsible and it's proven that being married results in fewer claims.

Are car insurance companies telling the truth?

Companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the ads make an identical promise about savings if you switch to them. How can each company claim to save you money?

Different companies are able to cherry pick for the type of driver that is profitable for them. An example of a preferred risk might be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be charged more money and ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save money. That's the way companies can truthfully state the savings. That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Final considerations

We just covered many tips how you can compare car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from the least-expected company.

Cheaper car insurance is available both online and with local Ocilla insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

People switch companies for a number of reasons such as poor customer service, lack of trust in their agent, unfair underwriting practices or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is actually quite simple.

Even more information is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to file complaints about a company, report car insurance fraud, and find out industry alerts.