Car Insurance in Blue Ridge Georgia - 9 Tricks to Save Money

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, many Blue Ridge consumers feel financially strained by their car insurance policy.

You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

Quick Blue Ridge Car Insurance Quotes

Most major insurance companies like Progressive, Allstate and GEICO provide pricing on the web. Getting quotes is pretty easy as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, their rating system will obtain information on your driving record and credit history and returns a price based on these factors. Quoting online makes comparing rates easy, but having to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a lower rate.

A less time-consuming method to find better car insurance pricing is to use a quote form to obtain quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online a little more enjoyable. After sending the form, it gets priced and you can select any one of the returned quotes.

If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To 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 complete the form with the coverage information as close as possible to your current policy. This way, you will receive comparison quotes based on similar coverages.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but some must be manually applied before you will receive the discount.

  • Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts - Fewer annual miles can qualify you for better rates on cars that stay parked.
  • Military Rewards - Having a family member in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of insurance companies who offer car insurance discounts in Georgia, click this link.

Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Consumers can read industry bulletins, discover disciplinary actions, file complaints about an insurance agent or broker, and learn about insurance regulations.

car insurance in Blue Ridge

Do the work, save more money

Cheaper car insurance can be purchased from both online companies and with local Blue Ridge insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these smaller companies work with independent agents.

As you shop your coverage around, never reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.