Getting Low-Cost Alamo Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse.

Having so many companies and agents to choose from, it can be hard to locate the lowest cost insurer.

More discounts equal less premium

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some may not be applied and must be specially asked for before they will apply.

Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break when shopping for auto insurance.
Federal Government Employee - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Defensive Driving Course - Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

Alamo Rates are Influenced by These Factors

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to big savings.

The list below includes some of the items auto insurance companies consider when setting prices.

Car features impact rates - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Liability coverage protects you - The liability section of your policy provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
High numbers of claims are not good - Companies in Georgia provide discounts to insureds who are claim-free. If you frequently file small claims, you can definitely plan on higher rates. Insurance coverage is designed for the large, substantial claims.
Traffic violations increase rates - A bad driving record has a big impact on rates. Even one ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
Little extras can really add up - There are a lot of extra coverages that can waste your money on your auto insurance policy. Things like personal injury protection, accident forgiveness 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 remove them from your policy.
Men fork out a little more - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that men are worse drivers. They both cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.

Switch companies and save? Really?

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all say the same thing about savings if you move to their company. But how can every company make almost identical claims?

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A driver who fits that profile gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings.

This emphasizes why drivers should get a wide range of price quotes. It is impossible to predict which auto insurance company will give you the biggest savings.

Learn more about Georgia auto insurance

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia consumers can view a list of available companies, find out which companies have the most complaints, download brochures, and file complaints about a company.

Also read more on this site for auto insurance rates in Georgia and this list of insurance agents in Alamo, GA.

Shop smart and save

Cheap auto insurance is definitely available online and also from your neighborhood Alamo agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

In this article, we presented a lot of tips how to reduce auto insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as .