Free Guide to Paying Less for Rhine Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat. Insurance companies such as GEICO and Progressive constantly blast consumers with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices at least once a year because prices are constantly changing. If you had the best rates a couple years back you can probably find a better price now. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with lower auto insurance prices.

The list below includes some of the items auto insurance companies consider when setting rates.

Men fork out a little more - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that men are worse drivers. Women and men have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Never allow your policy to lapse - Driving your car without having proper coverage is against the law and auto insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine.
Rates may be higher depending on your occupation - Jobs such as real estate brokers, business owners and dentists tend to have the highest average rates because of high stress and lengthy work days. Other occupations like actors, historians and the unemployed receive lower rates.
Pay less after the wedding - Getting married actually saves money on your policy. It means you're more mature and it's proven that being married results in fewer claims.
Poor credit can mean higher rates - Credit rating is a important factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit score can use some improvement, you could save money insuring your by improving your credit score.
Don't get talked into coverage you don't need - There are a lot of extra coverages that you can buy when buying auto insurance. Insurance for vanishing deductibles, towing coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.

Be sure to get all your discounts

Car insurance companies do not advertise all their discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount possible, you are paying more than you should be.

Senior Citizens - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
No Accidents - Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
Sign Online - Certain companies may give you up to $50 just for signing your application digitally online.

It's important to note that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think it's possible to get free car insurance, you're out of luck.

To choose companies with the best auto insurance discounts in Rhine, click here to view.

Is there truth in advertising?

Consumers in Georgia can't ignore all the ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move to their company.

How can each company claim to save you money?

All companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay a higher premium and ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the way they do. Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional detailed information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to learn about insurance regulations, find disaster information, find a variety of consumer forms, and read industry bulletins.

In the end, you save

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.

Lower-priced auto insurance is definitely available both online and also from your neighborhood Rhine agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.