Buy Cheap Waycross Auto Insurance

Having to pay for overpriced auto insurance can overdraw your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to help make ends meet.

There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

Choosing the best insurance company for you in Waycross is not that difficult. Essentially anyone who carries auto insurance should be able to reduce their rates. Although Georgia consumers do need to know how the larger insurance companies market on the web and take advantage of how the system works.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

  • Policy add-ons can waste money - There are a lot of add-on coverages that you can get tricked into buying when buying auto insurance. Coverages for personal injury protection, accidental death and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Pleasure use saves money - The more you drive in a year's time the more you'll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy shows the correct driver usage, because it can save money.
  • Rates may be higher depending on your occupation - Occupations such as doctors, architects and financial analysts are shown to have higher average rates because of high stress levels and lengthy work days. Conversely, jobs such as pilots, engineers and the unemployed pay the least.
  • Your spouse saves you money - Being married actually saves money when buying auto insurance. Having a spouse usually means you are more responsible and it's proven that married drivers get in fewer accidents.
  • Higher deductibles cost less - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more money the insured has to pay upfront, the bigger discount you will receive.

auto insurance in Waycross

Don't pay full price with these discounts

Companies offering auto insurance don't always list all available discounts very clearly, so here is a list both the well known as well as the least known auto insurance savings.

  • Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • No Claims - Drivers who don't have accidents can earn big discounts when compared with accident-prone drivers.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy over the internet.
  • Own a Home - Owning a home in Waycross may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, you won't be that lucky.

To choose insurers with the best auto insurance discounts in Georgia, follow this link.

The auto insurance bait and switch

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing about savings if you move your policy. How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. An example of a profitable customer might be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when switching.

Drivers who don't measure up to these standards must pay a higher premium which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Do I have any recourse if my insurance company denies a claim?

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 agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Even more information is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, read industry bulletins, and get help finding coverage.

Georgia auto insurance quotes

Affordable insurance is out there

The cheapest auto insurance is definitely available both online in addition to many Waycross insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.