7 Ways You Can Buy Car Insurance for Less in Scottdale Georgia

Have you had enough of trying to scrape together enough money each month for car insurance? Your situation is no different than millions of other consumers. There are many to pick from, and although it's a good thing to be able to choose, it makes it harder to compare rates.

Finding affordable coverage in Scottdale is quite easy. If you have car insurance now, you should be able to save some money using this information. Georgia drivers only need an understanding of the most efficient way to compare rates over the internet.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise all available discounts very clearly, so here is a list some of the more common and the more hidden ways to save on car insurance. If you're not getting every credit available, you are paying more than you should be.

Fewer Miles Equal More Savings - Fewer annual miles can qualify you for better rates on cars that stay parked.
Payment Method - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
One Accident Forgiven - Certain companies permit an accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Auto/Home Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

To choose insurers who offer car insurance discounts in Georgia, click this link.

Save $429 a year? Really?

Consumers can't ignore all the ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. All the companies make the same claim of big savings after switching to them.

How does each company make the same claim?

All companies can use profiling for the type of driver that makes them money. An example of a profitable customer could be between the ages of 30 and 50, has no tickets, and has excellent credit. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay higher premiums which leads to business going elsewhere. The ads state "people who switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently make those claims. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

More Georgia car insurance information

More tips and info about car insurance is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find disaster information, view a list of available companies, get help finding coverage, and view agent and company licensing information.

Other informative sites include this page for car insurance prices in Georgia and this page of Scottdale insurance agents.

Best coverage at the best price

Cost effective car insurance can be sourced from both online companies and with local Scottdale insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, make sure you don't buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.