Top Ways to Save on Waleska Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Drivers have so many to pick from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months since insurance rates are constantly changing. Even if you got the best rates six months ago you can probably find a better price now. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Listed below are some of the items used by your company to calculate rates.

With age comes lower rates - Teenage drivers in Georgia are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, damage from fire, and burglary. The deductibles are how much you are willing to pay if you file a covered claim. The more expense you have to pay, the less your auto insurance will be.
Do you know you're credit rating? - Credit score is a important factor in calculating your auto insurance rates. Therefore, if your credit is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
Pleasure use saves money - The more miles you rack up on your car in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based on their usage. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows how each vehicle is driven.
Special features that cut premiums - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
Liability insurance protects assets - Liability insurance provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

More discounts equal less premium

Companies do not advertise all their discounts very clearly, so the following is a list of some of the best known as well as the least known discounts you could be receiving.

Senior Discount - If you're over the age of 55, you may qualify for a small decrease in premiums.
Multi-car Discount - Having more than one vehicle with the same company may reduce the rate for each vehicle.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
New Vehicle Savings - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save up to 5%.

It's important to note that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

To choose companies offering auto insurance discounts in Georgia, click here.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to have a common claim that you can save if you switch your coverage to them. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and has a high credit rating. A propective insured that hits that "sweet spot" will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay a higher premium and this can result in business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can state the savings. Because of the profiling, you should compare many company's rates. It's not possible to predict which auto insurance company will have the lowest rates.

Learn more about Georgia auto insurance

Additional detailed information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can read enforcement actions against agents and companies, report car insurance fraud, find out industry alerts, and file complaints about an insurance agent or broker.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Waleska.

Shop smart and save

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. There are many occasions where someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Lower-priced auto insurance can be found on the web as well as from independent agents in Waleska, and you should compare price quotes from both to have the best rate selection. Some insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.