8 Discounts Twin City Shoppers Forget when Shopping for Car Insurance

Expensive car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is a great way to tighten up your finances.

Insurance companies such as GEICO and Progressive continually hit you with TV and radio ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates yearly since rates are constantly changing. If you had the best rates a couple years back the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to save money.

Save big with these eight discounts

Companies do not advertise all their discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • College Student - Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
  • Save with a New Car - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.
  • Senior Citizens - Mature drivers can possibly qualify for better car insurance rates.
  • Drive Less and Save - Keeping the miles down could qualify for a substantially lower rate.
  • Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.

It's important to note that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

To see a list of companies with the best car insurance discounts in Twin City, click here.

Twin City car insurance comparison

How to Get Cheap Car Insurance in Twin City, GA

There are several ways to get quotes from local Twin City car insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing a different quote for every car insurance company. A single, simple form will return price quotes .
  • A more time consuming way to get quotes online consists of visiting each company's website and complete a new quote form. For example, we'll assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in Twin City, click here.

However you get your quotes, make sure you use exactly the same deductibles and coverage limits on every quote. If you have different values for each quote it's impossible to make a fair comparison in Twin City. Slightly different limits may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting better pricing.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different and your policy should reflect that. These are some specific questions can help discover if your situation could use an agent's help.

  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to have a common claim that you can save if you move to their company. How can each company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. A good example of a desirable insured might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that much. This is how insurance companies can advertise the way they do. Because of the profiling, drivers must compare many company's rates. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford.

Lower-priced car insurance is possible both online and also from your neighborhood Twin City agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Georgia car insurance quotes

Additional detailed information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, download brochures, and view agent and company licensing information.