Car Insurance in Barnesville - 8 Discounts You Might be Missing
Expensive car insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is a great way to lower your monthly bill. Drivers have so many to buy insurance from, and although it's a good thing to have a choice, too many choices makes it more difficult to compare rates.
It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the best rates a few years ago there may be better deals available now. There is too much inaccurate information about car insurance on the internet, so I'm going to show you some great ways to stop overpaying for insurance.
Policy discounts you shouldn't miss
Auto insurance companies don't list all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you're just leaving money on the table.
- College Student - Youth drivers living away from home attending college and do not have a car can receive lower rates.
- Accident Waiver - Certain companies allow you one accident without raising rates as long as you don't have any claims prior to the accident.
- Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
- Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Defensive Driver - Completing a driver safety course could cut 5% off your bill depending on where you live.
- Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
- New Car Discount - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, car insurance companies aren't that generous.
For a list of companies offering car insurance discounts in Georgia, click here.
Which Car Insurance is Cheapest in Barnesville, Georgia?
Finding a better price on car insurance isn't really that difficult. Consumers just need to take time comparing rates provided by online insurance companies. This can be done in just a few minutes using one of these methods.
One of the best ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for repetitive form entry for every car insurance company. One form submission compares rates direct from many companies.
A different way to shop for car insurance online is going to each company's website and request a quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is quicker.
For a list of links to companies insuring cars in Barnesville, click here.
Whichever method you choose, ensure you are comparing identical coverage limits and deductibles with every price quote. If you enter different liability limits then you won't be able to find the best deal in Barnesville.
And the best car insurance company is...
As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price.
Cheap car insurance can be found from both online companies as well as from independent agents in Barnesville, so you should compare both to have the best rate selection. Some insurance providers don't offer online quoting and most of the time these small insurance companies sell through independent agents.
You just learned a lot of ways to get a better price on car insurance. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the most savings is with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments compared to the large companies like .
