How to Know You're Spending Too Much for Car Insurance in Pooler

Having to pay for overpriced car insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is a great way to help make ends meet. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage quite often since rates are constantly changing. Just because you had the lowest price two years ago you may be paying too much now. Forget all the misinformation about car insurance because we're going to demonstrate the proper way to lower your rates without sacrificing coverage.

Finding the best rates in Pooler is not that difficult. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Georgia consumers only need to know the most efficient way to buy car insurance online.

Free Quotes for Car Insurance in Pooler, Georgia

Most major insurance companies like Allstate and Progressive provide coverage price quotes on the web. Getting quotes doesn't take a lot of time as you simply enter your coverage information as detailed in the form. Behind the scenes, the system will obtain your credit score and driving record and provides a quote. Quoting online makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it's very important to do this if you want to find the best price on car insurance.

A less time-consuming method to locate the lowest prices is to use a quote form to return rates from more than one company. The form is fast, reduces the work, and makes quoting online much easier. As soon as the form is sent, it gets priced and you can choose any one of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you complete the form with your coverages as close as possible to your current policy. This way, you will receive a fair comparison based on similar coverages.

Pooler car insurance quote

Learn How to Buy Car Insurance Cheaper

It's important that you understand the factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that can help you get big savings.

Listed below are a partial list of the pieces that factor into your rates.

  • Multi-policy discounts can save money - Most insurance companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to shop around to confirm you are receiving the best rates possible.
  • Older drivers save more - Youthful drivers in Georgia are statistically proven to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a teen driver onto your car insurance can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Poor driving leads to higher costs - Drivers with clean records have lower premiums than bad drivers. Even a single moving violation may increase your cost by as much as thirty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Being married is a good thing - Having a wife or husband can actually save you money on car insurance. Marriage usually means you are more responsible and it's proven that married drivers get in fewer accidents.
  • Rate your vehicle for proper use - The more miles you rack up on your car in a year's time the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.

Are you getting all your discounts?

Companies that sell car insurance do not advertise every available discount very clearly, so we researched both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Resident Student - Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers offering car insurance discounts in Georgia, click here.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether you might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Georgia?
  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Why does it cost so much to insure a teen driver in Pooler?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, free and can help protect your family.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, file complaints about a company, and get help finding coverage.

Pooler car insurance comparison

In the end, you save

When buying insurance coverage, never reduce needed coverages to save money. Too many times, drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

We just covered a lot of techniques to lower your car insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as .