Easy Methods to Pay Less on Augusta Auto Insurance

Finding better rates for Augusta auto insurance is challenging for consumers not familiar with comparison shopping online. People have so many options available that it can easily become a lot of work to compare prices in Augusta.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Understanding what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Always keep insurance in force - Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.
Rates may be lower depending on your job - Careers like doctors, social workers and accountants tend to have higher rates than average because of high stress and lengthy work days. On the flip side, jobs such as farmers, athletes and the unemployed receive lower rates.
Lower rates with optional equipment - Driving a car with an alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Liability insurance protects assets - The liability section of your policy will protect you when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
Sex matters - The statistics show that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Women and men cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
A clean driving record saves money - A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can boost insurance rates twenty percent or more. 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 the DMV in their state in order to drive a vehicle legally.
Poor credit can mean higher rates - Having a bad credit rating is a important factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. Therefore, if your credit can use some improvement, you could save money insuring your by repairing your credit.
Don't get talked into coverage you don't need - There are a lot of extra bells and whistles that can waste your money if you aren't careful. Coverages like personal injury protection, accident forgiveness and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they're wasting money get rid of them and save.

How to Compare Augusta Auto Insurance Rates

All major auto insurance companies such as Progressive, Allstate and GEICO allow you to get coverage prices online. Getting online quotes is quite simple as you simply type in into the quote form. After the form is submitted, their system will obtain information on your driving record and credit history and returns a price based on these and other factors.

Quoting online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.

There is a better way!

The preferred way to lower your auto insurance bill requires only one form to obtain quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online quotes a little more enjoyable. After your information is entered, it is rated and you are able to buy any of the resulting price quotes. If a lower price is quoted, it's easy to complete the application and purchase the new policy. The entire process only takes a few minutes and could lower your rates considerably.

To quickly find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you input the coverages exactly as shown on your declarations page. This makes sure you will have a fair comparison for the exact same coverage.

More discounts equal less premium

Companies don't necessarily list every discount in an easy-to-find place, so here is a list some of the best known as well as the least known discounts you could be receiving. If they aren't giving you every credit available, you are paying more than you should be.

Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
No Accidents - Claim-free drivers can earn big discounts when compared to accident-prone drivers.
Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Organization Discounts - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
One Accident Forgiven - A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.

It's important to note that some credits don't apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, you're out of luck.

To choose insurance companies with the best auto insurance discounts in Augusta, click here.

Switch companies and save? Really?

Georgia drivers can't ignore all the ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all have a common claim that you can save if you move to their company.

How do they all say the same thing?

All companies can use profiling for the driver that makes them money. An example of a driver they prefer might be profiled as a mature driver, is a homeowner, and has excellent credit. A propective insured that hits that "sweet spot" will get very good rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will be quoted more money and this can result in business not being written. The ads say "customers that switch" not "everyone that quotes" save that much. That's why insurance companies can make those claims. This emphasizes why you need to get a wide range of price quotes. It's not possible to predict the company that will have the lowest rates.

Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can find a variety of consumer forms, read industry bulletins, and view a list of available companies.

Best coverage at the best price

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, extreme rates for teen drivers or even questionable increases in premium. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.

Lower-priced auto insurance is possible on the web and also from your neighborhood Augusta agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide online price quotes and these smaller companies work with independent agents.

While you're price shopping online, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.