Top 9 Ways to Save on Car Insurance in Rochelle, GA

Are you tired of paying out the nose each month for car insurance? You're in the same situation as the majority of other car owners in Georgia. With consumers having so many choices of insurance companies, it can be hard to pick the lowest price company.

It's important to price shop coverage before your policy renews since rates are constantly changing. Even if you think you had the best rates a few years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so we're going to give you some great ways to save money.

These nine discounts can lower your rates

Companies don't list every available discount very well, so the following is a list of both the well known and the more hidden car insurance savings. If you don't get every credit available, you're paying more than you need to.

  • Air Bag Discount - Vehicles with factory air bags can receive discounts up to 30%.
  • No Claims - Claim-free drivers pay less compared to bad drivers.
  • Safety Course Discount - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Save with a New Car - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • E-sign - Certain companies may give you up to $50 just for signing your application online.
  • Resident Student - Children living away from home attending college and don't have a car can be insured at a reduced rate.
  • Driver's Ed - Have your child take driver's ed class if offered at their school.

Keep in mind that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way.

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

Georgia car insurance

Comparison of Car Insurance in Rochelle

Most companies allow you to get coverage price quotes online. Getting quotes doesn't take a lot of time as you simply enter as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and generates pricing information based on these and other factors. This makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information gets old quite quickly. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

There is a better way!

The preferred way to lower your car insurance bill is to use a quote form that analyzes rates from many companies. The form is fast, requires less work, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you replicate deductibles and limits as shown on your current policy. This makes sure you're receiving rate quotes based on the exact same insurance coverage.

Are you falling for claims of savings?

Consumers in Georgia can't get away from ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads say the same thing that you can save if you change your policy.

But how can every company claim to save you money?

All companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk might be between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher rates which usually ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can advertise the way they do. That is why drivers must get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

And the best car insurance company is...

We just covered a lot of information how to compare car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with an unexpected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

Affordable car insurance is attainable both online in addition to many Rochelle insurance agents, so compare prices from both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional detailed information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to find out industry alerts, read industry bulletins, discover disciplinary actions, and file complaints about a company.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Rochelle insurance agents.