5 Guaranteed Tips to Lower Car Insurance Costs in Savannah
Consumers not familiar with buying insurance online will discover buying cut-rate Savannah car insurance quite challenging.
It's important to check car insurance prices periodically since rates are constantly changing. Just because you found the best deal on your last policy you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.
The purpose of this post is to familiarize you with how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will most likely be able to save some money using this information. Nevertheless, Georgia car owners do need to know the methods companies use to sell online and take advantage of how the system works.
How much can you save with these 5 discounts?
The price of auto insurance can be rather high, but there are discounts available that you may not know about. Most are applied at the time you complete a quote, but some must be inquired about prior to getting the savings.
- Bundle and Save - If you have multiple policies with one company you may earn approximately 10% to 15%.
- Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Homeowners Savings - Owning a house in Savannah can help you save on car insurance because maintaining a house requires personal responsibility.
- Discount for Swiching Early - Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
- Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
It's important to understand that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.
How much car insurance do I need?
When it comes to buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's.
For example, these questions may help highlight if your insurance needs could use an agent's help.
- What are the best liability limits?
- Why am I required to buy high-risk coverage?
- When do I need to add a new car to my policy?
- Does my car insurance cover rental cars?
- Does my insurance cover a custom paint job?
- Can I rate high risk drivers on liability-only vehicles?
If you're not sure about those questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, simply complete this short form.
Save 15 percent in 15 minutes? Is it for real?
Car insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change to them. But how can every company make the same claim? It's all in the numbers.
All the different companies have a certain "appetite" for the type of driver that earns them a profit. An example of a desirable insured could be over the age of 40, a clean driving record, and has great credit. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.
Potential customers who don't meet this ideal profile will have to pay a more expensive rate and ends up with business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the savings.
Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.
Additional Georgia consumer information
Additional car insurance information is available on the Georgia Insurance and Safety Fire Commissioner website found here. Consumers can view agent and company licensing information, file complaints about a company, and report car insurance fraud.
Also read more on Wikipedia and this Savannah agent directory.
Do the work, save more money
When you buy insurance online, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price.
You just learned some good ideas how you can reduce car insurance prices online. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a small mutual company.
Low-cost car insurance can be sourced from both online companies and with local Savannah insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.