7 Tricks Shown to Slash the Cost of Car Insurance Costs in Buford, GA

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

You have so many to pick from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months since rates are constantly changing. If you had the lowest price six months ago a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

Finding affordable coverage in Buford is not that difficult. In a nutshell, every driver who carries car insurance should be able to reduce their rates. Although Georgia car owners do need to know how big insurance companies market on the web because it can help you find the best coverage.

How much can you save with these seven discounts?

Companies that sell car insurance don't always advertise all their discounts very clearly, so we researched some of the more common as well as the least known car insurance savings.

  • Sign Online - Certain companies will give a small break for buying your policy over the internet.
  • Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break on car insurance.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Bundle and Save - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to say the same thing about savings if you move your policy. How does each company make the same claim?

All companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured could be between 30 and 50, has no driving citations, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully state the savings. Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can get help finding coverage, find out which companies have the most complaints, download brochures, and view agent and company licensing information.

Also read more on this site for Georgia car insurance information and see this list of insurance agents in Buford.

Final considerations

The cheapest car insurance is definitely available from both online companies in addition to many Buford insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford.