How to Know You're Spending Too Much for Car Insurance in White Plains

Scraping up a payment for overpriced car insurance can empty your checking account, especially in this economy. Doing a price comparison is a smart way to lower your monthly bill. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to take a look at other company's rates quite often since rates are constantly changing. Just because you had the best price a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to find out the proper way to eliminate unnecessary coverages and save money.

If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Finding affordable coverage in White Plains is easy if you know what you're doing. Georgia vehicle owners just need to know the proper way to compare company rates online.

White Plains car insurance comparison

Free White Plains Car Insurance Quotes

There are several ways to compare car insurance quotes, but one way is easier and takes less work. You can spend countless hours talking to insurance companies in White Plains, or you could use online quoting to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify the providers to receive prices from. So if you want to choose individual companies to compare rates, we have a page of companies who write car insurance in Georgia. Click here for list of insurance companies in Georgia.

Which method you use is up to you, but make darn sure you compare exactly the same coverages and limits on every quote you get. If you use different deductibles then you won't be able to determine which rate is truly the best in White Plains.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some trigger automatically when you quote, but less common discounts must be manually applied prior to getting the savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • College Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Service Members Pay Less - Having a deployed family member could mean lower rates.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Payment Discounts - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Sign Online - Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy can get a discount on all vehicles.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way. But all discounts will reduce the amount you have to pay.

To see a list of companies offering car insurance discounts in White Plains, follow this link.

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in White Plains?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Georgia?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Much more information about car insurance in Georgia can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can read enforcement actions against agents and companies, find out industry alerts, read consumer alerts, and file complaints about an insurance agent or broker.