Consumer Tested Strategies to Save on Athens Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, you are not the only one feeling buyer's remorse. Big companies like GEICO and Progressive constantly bombard you with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

If you are insured now or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding affordable coverage in Athens is quite easy. Georgia drivers only need an understanding of the best way to compare rates online.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some must be specially asked for prior to receiving the credit. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Club Memberships - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education in high school.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount depending on your company.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • No Charge for an Accident - A handful of insurance companies will forgive one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.

It's important to understand that most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurers with the best car insurance discounts in Athens, follow this link.

Quick Athens Car Insurance Quotes

Finding a better price on car insurance doesn't have to be difficult. Consumers just need to spend a little time comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

One of the best ways to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method eliminates the need for multiple quote forms to each individual car insurance company. Completing one form will return price quotes from multiple low-cost companies.

Another way to shop for car insurance online consists of visiting each individual company website and fill out their own quote form. For example, let's say you want to compare rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in Athens, click here.

The least efficient method of comparing rate quotes is to spend your day driving to different Athens agent offices. Buying insurance online makes this process obsolete unless you require the professional guidance only provided by licensed Athens agents. You can, however, compare online quotes but buy from a local insurance agent and we'll talk about that later.

Whichever way you use, compare exactly the same deductibles and coverage limits for every quote you compare. If you compare different values for each quote it's impossible to determine the best price in Athens.

Best coverage at the best price

Low-cost car insurance is possible from both online companies and also from your neighborhood Athens agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

We just showed you many ways to get a better price on car insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies. These companies can often provide lower rates in certain areas compared to the large companies like .