Vienna Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, it's easy to be confused due to the large number of auto insurance companies competing for business in Vienna.

Take advantage of discounts

Companies that sell car insurance don't list all available discounts very clearly, so we break down both the well known as well as the least known auto insurance savings.

  • Defensive Driver - Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperless Signup - A few companies may give you up to $50 for buying your policy over the internet.
  • Senior Citizens - Mature drivers may qualify for better auto insurance rates.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren't that generous.

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

auto insurance in Vienna

Vehicle Insurance Comparison

There are several ways of comparing rates from different Vienna insurance companies. The best method to find the lowest rates consists of shopping online. This can be done in a couple of different ways.

  • The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form submissions for each company you want a rate for. Just one form will return quotes from multiple companies. It's definitely the quickest method.
  • A slightly less efficient method to compare rate quotes is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let's assume you want to compare , and . To get each rate you have to visit each site and enter your information, which is why the first method is more popular.

    To view a list of companies in Vienna, click here.
  • The least efficient method to compare rates is to drive around to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. You can, however, obtain prices from the web and still use a local agent. We'll cover that shortly.

Which method you use is up to you, but be sure to compare identical coverages and limits with each company. If you have different deductibles it will be impossible to make an equal comparison in Vienna. Just a small difference in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find a lower rate.

Vienna Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Add-on coverages can add up - There are many additional coverages that you can get tricked into buying when buying auto insurance. Coverages for roadside assistance, accidental death and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.
  • Performance makes a difference - The type of car you are insuring makes a huge difference in the rate you pay. The lowest rates are generally reserved for economy passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Cautious drivers pay less - Careful drivers have lower premiums than bad drivers. Just one moving violation can boost insurance rates twenty percent or more. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Pleasure use saves money - The more miles you rack up on your car each year the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your auto insurance policy shows how each vehicle is driven.

How to know if you need help

When choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Georgia minimum liability coverage?
  • What are the financial responsibility laws in Georgia?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies say the same thing about savings if you switch to their company. How does each company claim to save you money?

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a profitable customer might be over the age of 50, a clean driving record, and has excellent credit. A customer getting a price quote who fits that profile will get very good rates and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That is how companies can truthfully make those claims. This illustrates why drivers must get quotes from several different companies. It's impossible to know which company will have the lowest rates.

The best insurance company isn't always the cheapest

Cheap auto insurance is available both online and also from your neighborhood Vienna agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small local company.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Georgia auto insurance

Additional Georgia consumer information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to discover disciplinary actions, learn about specific coverages, and file complaints about a company.

Additional helpful sites include this resource for Georgia auto insurance prices and this link which helps you find a Vienna agent.