Tightwads Instructions on Saving on Shellman Car Insurance

Are you tired of not being able to afford each month for car insurance? You are no different than many other Georgia drivers.

Lots of contend for your hard-earned dollar, so it's not easy to compare every to find the lowest price

If you have car insurance now, you will be able to cut costs considerably using this information. Finding affordable coverage in Shellman is quite easy. Nevertheless, Georgia consumers do need to know how insurance companies sell insurance online because it can help you find the best coverage.

Be sure to get all your discounts

Companies do not advertise every discount in an easy-to-find place, so we researched both the well known and the more hidden discounts you could be receiving.

  • Student Driver Training - Have your child successfully complete driver's ed class in school.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Life Insurance Discount - Larger companies have lower rates if you buy a life insurance policy as well.
  • Memberships - Being a member of certain professional organizations may earn a discount when shopping for car insurance.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with a substantially lower rate.
  • Defensive Driver - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

Consumers should know that some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

To see a list of insurance companies offering car insurance discounts in Shellman, click here.

compare Shellman car insurance rates

Cheap Shellman Car Insurance Comparisons

Comparing car insurance rates can be a lot of work if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Shellman, or you can utilize online quotes to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and at least one company provides a quote based on that data. This prevents consumers from doing quotation requests to each individual car insurance company. To submit your quote information now, click to open in new window.

The single downside to using this type of system is you don't know exactly which carriers to get quotes from. So if you prefer to pick specific providers to receive pricing from, we have a listing of low cost car insurance companies in Georgia. Click here for list of insurance companies in Georgia.

Whichever method you choose, ensure you're using the exact same coverages and limits on every quote. If you have different deductibles it will be next to impossible to make a fair comparison in Shellman. Slightly different coverage limits can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies will enable you to find a lower rate.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Too many car insurance claims drive up costs - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Georgia generally give better rates to policyholders who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
  • Poor driving leads to higher costs - A bad driving record impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates than bad drivers. Even a single citation can bump up the cost by twenty percent. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • More miles equals more premium - The more miles you rack up on your car every year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Protect your assets with liability insurance - Liability insurance will protect you when you are found liable for personal injury or accident damage. It provides legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Do you need the policy add-ons? - There are many extra bells and whistles that can waste your money when buying car insurance. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so get rid of them and save.
  • Safer cars are cheaper to insure - Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
  • Are you male or female? - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Bump up deductibles to save - The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more you have to pay, the less your company will charge you for insurance.

Is there truth in advertising?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all have a common claim of big savings if you switch your coverage to them. How do they all claim to save you money?

All companies can use profiling for the type of customer that is profitable for them. For instance, a driver they prefer might be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates and this can result in the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can confidently advertise the way they do. This emphasizes why drivers must compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

We just covered a lot of ways to compare car insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a company that doesn't do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

More tips and info about car insurance is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to download brochures, file complaints about a company, file complaints about an insurance agent or broker, and find out which companies have the most complaints.