How to Know You're Spending Too Much for Auto Insurance in Tallapoosa

Having to pay for overpriced auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. Drivers have so many to pick from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

Finding affordable auto insurance coverage in Tallapoosa is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Georgia drivers only need an understanding of the most effective way to compare rates online.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked for before they will apply. If you're not getting every credit you deserve, you're paying more than you need to.

More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.
Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save up to 5%.
Discount for Life Insurance - Larger companies have a discount if you purchase life insurance from them.
Fewer Miles Equal More Savings - Keeping the miles down can earn lower rates on the low mileage vehicles.
Own a Home - Owning a home in Tallapoosa may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurers with the best auto insurance discounts in Georgia, follow this link.

How to Get Cheap Auto Insurance in Tallapoosa, GA

Finding cheaper auto insurance prices isn't really that difficult. Consumers just need to spend a few minutes on the computer to get quotes online with multiple companies. This can be done using a couple different methods.

The best way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method keeps you from doing separate quotation requests for each company. A single, simple form will return price quotes from auto insurance companies with the best prices.
A less efficient way to shop for auto insurance online consists of visiting each individual company website and complete a new quote form. For instance, let's say you want comparison quotes from , and . You would have to go to every website to enter your coverage information, and that's why the first method is more popular. For a list of links to companies insuring cars in Tallapoosa, click here.
The least efficient way of comparing rate quotes is driving to local Tallapoosa insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the professional guidance of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent.

It doesn't matter which method you choose, just make sure you use identical deductibles and coverage limits on every quote. If your comparisons have different values for each quote it will be very difficult to make a fair comparison in Tallapoosa.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

Higher deductibles cost less - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The higher the amount you have to pay, the bigger discount you will receive.
Lower miles equals lower premium - The more you drive in a year's time the more you'll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage.
Car features impact rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Safer occupants lowers premiums - Safer cars are cheaper to insure. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.
Do you know you're credit rating? - A driver's credit rating is a huge factor in determining what you pay for auto insurance. People with high credit scores tend to be more responsible than those with lower credit scores. If your credit history can use some improvement, you could pay less to insure your by spending a little time repairing your credit.

Insurance agents can help

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

Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Is my nanny covered when driving my vehicle?
When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Save $429 a year? Really?

Georgia consumers can't get away from ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you move your coverage to them.

How does each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a profitable customer could possibly be a mature driver, has no prior claims, and drives newer vehicles. A driver who fits that profile receives the best rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently claim big savings.

This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings.

In the end, you save

Low-cost auto insurance is possible online as well as from independent agents in Tallapoosa, and you need to price shop both to get a complete price analysis. A few companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Additional auto insurance information can be found on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia consumers can report car insurance fraud, file complaints about an insurance agent or broker, view a list of available companies, and find disaster information.

Additional helpful sites include this page for Georgia auto insurance and this page for help finding agents in Tallapoosa, GA.