Tightwads Tips for Saving on Smyrna Auto Insurance

Having to pay for overpriced auto insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to lower your monthly bill.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage quite often since insurance rates are constantly changing. Even if you got the lowest rates two years ago you can probably find a lower rate today. So ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to lower your annual insurance bill.

This information will help you learn how to get online quotes and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Although Georgia vehicle owners do need to know the way insurance companies price insurance differently and use this information to your advantage.

Georgia auto insurance

Free Smyrna Auto Insurance Quotes

The are a couple different ways of comparing rate quotes from local Smyrna auto insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method saves time by eliminating multiple quote forms for each company you want a rate for. One form gets rate comparisons from multiple low-cost companies.
  • A less efficient way to shop for auto insurance online is spending the time to visit each company website to complete a price quote. For instance, let's assume you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Smyrna, click here.
  • The least efficient way to get comparison rates is driving to and from local Smyrna insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll touch on that later.

Which method you use is up to you, but make darn sure you compare identical information for every company. If your comparisons have higher or lower deductibles then you won't be able to decipher which rate is best in Smyrna. Just a small difference in coverages may result in large price differences. And when comparison shopping, comparing more company's prices helps locate the best price.

Policy discounts you shouldn't miss

Car insurance can cost a lot, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Education - Have your child take driver's ed class if it's offered in school.
  • No Claims - Drivers who don't have accidents can save substantially compared to bad drivers.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of providers who offer auto insurance discounts in Georgia, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn't really a one size fits all plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Georgia?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in Georgia?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • What are the best liability limits?
  • Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

More sites with auto insurance information

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Georgia drivers can file complaints about a company, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and get help finding coverage.