Comparing Cheap Stockbridge Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other Georgia consumers.

You have so many to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

This article will instruct you on how car insurance quotes work and some tips to save money. If you have car insurance now, you will most likely be able to save some money using these methods. Although Georgia vehicle owners do need to know the way companies price online insurance and take advantage of how the system works.

Save big with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked for before you get the savings.

Memberships - Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance.
Lower Rates for Military - Being on active duty in the military could mean lower rates.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Senior Discount - Mature drivers may qualify for a small decrease in premiums.
Claim Free - Claim-free drivers can earn big discounts when compared with bad drivers.
Fewer Miles Equal More Savings - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Paperless Signup - Certain companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To see a list of insurers offering auto insurance discounts in Georgia, click here to view.

Compare the Market for Auto Insurance in Stockbridge

There are several ways to compare rate quotes and find the best price. The best method to find the lowest rates is to perform an online rate comparison. This can be done using a couple different methods.

The best way to find low rates is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do separate quotation requests for every auto insurance company. Taking the time to complete one form compares rates from auto insurance companies with the best prices.
A harder way to get quotes online is going to each individual company website to complete their respective quote request forms. For example, let's say you want rates from , and . To get rate quotes you would need to visit each site and enter your information, and that's why the first method is more popular. To view a list of companies in Stockbridge, click here.
The least recommended way to compare rates is to waste gas driving to and from local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. However, consumers can obtain prices from the web and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but double check that you are using identical coverage limits and deductibles on every quote you get. If you have different liability limits you will not be able to determine which rate is truly the best in Stockbridge. Quoting even small variations in coverages may result in large price differences. It's important to know that comparing more company's prices helps locate the best rates.

Tips to Get Lower Stockbridge Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

Listed below are some of the factors used by your company to calculate premiums.

Don't skimp on liability - Liability insurance will protect you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
Multiple policies with one company can save - Most insurers will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, business owners and financial analysts have higher average rates in part from high stress levels and lengthy work days. Conversely, professions such as farmers, engineers and homemakers get better rates.
Little extras can really add up - There are many extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages for roadside assistance, accidental death and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
Pay less after the wedding - Being married can actually save you money on your policy. Having a spouse translates into being more responsible it has been statistically shown that drivers who are married are more cautious.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about savings if you switch your coverage to them. How does each company say the same thing? This is how they do it.

All companies can use profiling for the type of customer that is profitable for them. An example of a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and most likely will save when switching.

Drivers who fall outside these standards must pay a higher premium and ends up with business not being written. The ads say "drivers who switch" not "people who quote" save that much money. That's why companies can truthfully claim big savings.

This illustrates why drivers must get as many comparisons as possible. It's not possible to predict the company that will give you the biggest savings.

Final considerations

The cheapest auto insurance can be found on the web as well as from independent agents in Stockbridge, and you should compare price quotes from both to have the best selection. A few companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

More Georgia auto insurance information

Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia drivers can find out which companies have the most complaints, view a list of available companies, read consumer alerts, and learn about insurance regulations.