Tightwads Instructions on Saving on Butler Car Insurance

I can't think of anyone who likes paying for car insurance, especially when they are paying too much. Lots of contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Buying car insurance in Butler is easy if you know what you're doing. Georgia vehicle owners just need to know the tricks to get comparison quotes over the internet.

Car Insurance Comparison Rates in Butler, GA

Getting better car insurance pricing doesn't have to be difficult. Just spend a little time getting comparison quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for boring form submissions for each company. Just one form will get you rate comparisons from all major companies.

Another way to compare rate quotes requires you to visit the website of each company and request a quote. For sake of this example, let's say you want to compare , and . You would have to spend time on each company's site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Butler, click here.

The least efficient method to get comparison rates is to drive around to different Butler agent offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice of a licensed agent. You can, however, compare the best prices online and still use a local agent and we'll talk about that later.

Which method you use is up to you, but be sure to compare the exact same coverage information with every price quote. If you enter unequal deductibles or liability limits you will not be able to find the best deal in Butler.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine your car insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Small claims can cost you - If you file claims often, you can look forward to either higher rates or even cancellation. Companies in Georgia provide better rates to people who are claim-free. Car insurance is meant to be used in the event of larger claims.
How's your driving record? - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one ticket can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
Don't get talked into coverage you don't need - There are a ton of additional coverages that can waste your money on your policy. Coverages like roadside assistance, accident forgiveness and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
Good Student - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
55 and Retired - Older drivers may be able to get better car insurance rates.
Driver Safety - Taking a driver safety course can save you 5% or more depending on where you live.
Paperwork-free - Some insurance companies will give a small break for buying a policy and signing up on their website.
Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can get savings of more than 20%.
New Car Discount - Adding a new car to your policy can save up to 30% compared to insuring an older model.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Early Switch Discount - Select companies give a discount for switching to them before your current policy expires. It's a savings of about 10%.
Use Seat Belts - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.

Drivers should understand that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will cut your overall premium however.

For a list of insurance companies who offer car insurance discounts in Butler, follow this link.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured's situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation may require specific advice.

Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Georgia?
Should I buy additional glass protection?
Should I have combined single limit or split liability limits?
Does medical payments coverage apply to all occupants?
Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and may give you better protection.

Much more information about car insurance in Georgia is available on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Consumers can download brochures, file complaints about a company, learn about insurance regulations, and discover disciplinary actions.

A tidy conclusion

We just showed you a lot of information how to lower your car insurance rates. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than their larger competitors like .

As you restructure your insurance plan, you should never reduce needed coverages to save money. There are too many instances where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.