How to Know You're Spending Too Much for Auto Insurance in Rockmart

Scraping up a payment for overpriced auto insurance can take a big chunk out of your bank account and put the squeeze on your family's finances. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive promote their brand names with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to compare rates on a regular basis because insurance rates are constantly changing. Just because you found the best rates a couple years back there is a good chance you can find better rates 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 reduce your auto insurance bill.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Finding affordable coverage in Rockmart is easy if you know what you're doing. Georgia vehicle owners just need to know the proper methods to compare company rates on the web.

You have some control over your rates

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

  • Teen drivers pay high rates - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers have a tendency to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Pay less if you're married - Getting married helps lower the price on your policy. It means you're more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Don't sacrifice liability coverage - Your policy's liability coverage is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Do you work long hours in a high stress job? - Jobs such as real estate brokers, business owners and dentists tend to have the highest average rates in part from stressful work requirements and long work hours. Other occupations like pilots, historians and retirees receive lower rates.
  • Don't get talked into coverage you don't need - There are quite a few add-on coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem like a good idea when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.
  • Your location affects your rates - Residing in a small town can be a good thing when insuring your vehicles. Lower population translates into fewer accidents and a lower car theft rate. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.

Rockmart auto insurance comparison

Rockmart Auto Insurance Prices Online

Performing a rate comparison can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Rockmart, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company then gives them pricing for coverage. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can't choose which providers to receive prices from. So if you want to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in Georgia. Click here to view list.

It's up to you which method you use, but ensure you are comparing exactly the same quote information for each comparison quote. If you use mixed coverages it will be very difficult to determine the lowest rate in Rockmart.

Be sure to get all your discounts

Car insurance companies don't always advertise all their discounts in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • College Student - Kids in college living away from home attending college and don't have a car can receive lower rates.
  • Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Organization Discounts - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
  • No Accidents - Drivers who don't have accidents pay less as compared to accident-prone drivers.
  • Safety Course Discount - Taking a course in driver safety could cut 5% off your bill if your company offers it.
  • Bundle and Save - If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, companies wouldn't make money that way.

To choose companies with discount auto insurance rates in Rockmart, click here to view.

Is there truth in advertising?

Georgia consumers can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big if you change to their company.

How can each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can advertise the way they do. Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.

More detailed Georgia auto insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read enforcement actions against agents and companies, get help finding coverage, find out which companies have the most complaints, 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 reduce coverage to reduce premium. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price.

Budget-conscious auto insurance can be sourced online and also from your neighborhood Rockmart agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.