How to Know You're Spending Too Much for Car Insurance in St Simons Island

Having to pay for overpriced car insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. You have so many to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Buying car insurance in St Simons Island is not that difficult. If you have insurance now or need new coverage, you can learn to find the best rates and still get good coverage. Georgia consumers only need to know the most effective way to get comparison rates online.

Save big with these discounts

Companies that sell car insurance don't always publicize all available discounts very clearly, so here is a list some of the more common as well as the least known savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

  • Defensive Driver - Taking a driver safety course could cut 5% off your bill if you qualify.
  • New Car Discount - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Auto/Home Discount - If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky.

car insurance in St Simons Island

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Georgia minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you switch your coverage to them.

How does each company make the same claim?

Different companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer could be a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications gets the lowest rates and most likely will save when switching.

Consumers who fall outside these standards must pay higher prices and ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much money. This is how companies can truthfully claim big savings. This illustrates why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Even more information is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, file complaints about a company, and view agent and company licensing information.

Also read more on this resource for Georgia car insurance prices and this link which helps you find a St Simons Island agent.

St Simons Island car insurance comparison

A tidy conclusion

The cheapest car insurance is available from both online companies as well as from independent agents in St Simons Island, and you need to price shop both in order to have the best price selection to choose from. A few companies don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned some good ideas how you can reduce car insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a small local company. Regional companies may cover specific market segments cheaper than their larger competitors like .