How to Find Cheaper St George Auto Insurance
Finding better rates for St George auto insurance is challenging for consumers new to buying insurance online. People have so many choices that it can turn into more work than you anticipated to locate the lowest price in St George.
It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Just because you found the lowest rates six months ago you will most likely find a better rate today. So just forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.
More discounts equal less premium
Car insurance companies don't always list all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden ways to save on auto insurance.
- New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
- Sign Online - Some insurance companies give back up to $50 for buying your policy on their website.
- Military Discounts - Having a family member in the military may qualify for rate reductions.
- Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
- No Claims - Claim-free drivers can save substantially as compared to drivers who are more careless.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.
Switch companies and save? Really?
Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to make the same claim about savings after switching your policy. How do they all say the same thing?
Different companies can use profiling for the right customer that earns them a profit. For example, a desirable insured might be profiled as a mature driver, has no tickets, and has a high credit rating. A propective insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.
Potential customers who do not match the "perfect" profile will have to pay a higher premium which leads to business not being written. The ads state "people who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully state the savings. Because of the profiling, you should compare as many rates as you can. It's not possible to predict the company that will have the lowest rates.
Even more information can be found at the Kansas Insurance Department website. Kansas drivers can file complaints about an insurance agent or broker, view a list of available companies, and get help finding coverage.
Final considerations
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate.
Insureds change insurance companies for many reasons like delays in paying claims, unfair underwriting practices, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.
Cheap auto insurance can be sourced on the web in addition to many St George insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
