Free Guide to Spending Less for Senoia Auto Insurance Online

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Georgia consumers.

You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Senoia is easy if you know what you're doing. Essentially every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But Georgia vehicle owners do need to know how the larger insurance companies sell online and use this information to your advantage.

More discounts equal less premium

Companies don't list every discount very clearly, so we break down some of the best known and the more hidden ways to save on auto insurance.

  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Claim Free - Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
  • Senior Discount - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Safety Course Discount - Taking a course teaching defensive driving skills could save 5% or more if you qualify.

Consumers should know that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim that you'll save big if you change your coverage to them. How does each company say the same thing?

Different companies can use profiling for the type of customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will be quoted higher prices which leads to business not being written. The ads say "people who switch" not "everyone that quotes" save that much money. That's why companies can state the savings. This emphasizes why you should get a wide range of price quotes. It's not possible to predict the company that will give you the biggest savings.

More detailed Georgia auto insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can find a variety of consumer forms, read industry bulletins, report car insurance fraud, and learn about insurance regulations.

Affordable insurance is out there

Discount auto insurance can be sourced on the web as well as from independent agents in Senoia, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.