How to Know You're Throwing Money Away for Auto Insurance in Swainsboro

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as millions of other consumers.

With consumers having so many different company options, it is very difficult to pick the lowest price insurer.

It's important to check auto insurance prices once or twice a year because prices are constantly changing. Even if you think you had the best rates two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to find affordable auto insurance.

Finding affordable coverage in Swainsboro is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Although Georgia drivers do need to know the methods companies use to market insurance on the web.

Georgia auto insurance quotes

Fast and Easy Swainsboro Auto Insurance Quotes

The are a couple different ways of comparing price quotes and find the best price. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way to get quotes is a comparison rater form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from multiple low-cost companies.
  • A more difficult way to shop for auto insurance online requires a visit to the website for each individual company to request a price quote. For sake of this example, let's say you want rates from , and . To get each rate you have to spend time on each company's site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Swainsboro, click here.

Whichever method you choose, double check that you are using apples-to-apples coverage limits for each price quote. If each company quotes differing limits it's impossible to truly determine the lowest rate in Swainsboro. Slightly different coverages can make a big difference in price. It's important to know that quoting more provides better odds of finding better pricing.

Policy discounts you shouldn't miss

Car insurance companies don't list all their discounts very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Driver's Ed - Have your child complete a driver education course if offered at their school.
  • Safety Course Discount - Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Homeowners Pay Less - Owning a house in Swainsboro can save you money because maintaining a house demonstrates responsibility.
  • Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Memberships - Participating in a professional or civic organization may earn a discount on auto insurance.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies with discount auto insurance rates in Georgia, click here.

More Georgia auto insurance information

Even more information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can file complaints about an insurance agent or broker, view a list of available companies, discover disciplinary actions, and read consumer alerts.

Additional helpful sites include Auto Insurance 101 and this page where you can research Swainsboro insurance agents.