Find Low-Cost Carrollton Car Insurance

If you are a novice to online car insurance shopping, you may be overwhelmed by the vast number of car insurance companies offering insurance in Carrollton.

This article will introduce you to how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Georgia drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

Automobile Insurance Quotes in Carrollton, GA

Most major insurance companies quote price estimates online. Obtaining pricing is quite simple as you just enter your coverage preferences into the quote form. Behind the scenes, the system will obtain your credit score and driving record and returns a price based on these factors.

This streamlines rate comparisons, but having to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a lower rate.

A less time-consuming method to get multiple rate quotes makes use of a single form that gets prices from more than one company. It's a real time-saver, reduces the work, and makes quoting online a little more enjoyable. After sending the form, it is quoted and you can select any or none of the returned quotes.

If a lower price is quoted, it's easy to complete the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

In order to find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate exactly as they are listed on your policy. This way, you will receive a fair comparison based on similar coverages.

How to Lower your Car Insurance Rates

It's important that you understand the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.

The following are a few of the "ingredients" used by your company to calculate premiums.

Extra add-on coverages are wasting money - There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Things like personal injury protection, accidental death and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
Discounts for multiple policies - Many insurers will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
Older drivers save more - Youthful drivers in Georgia are known to get distracted easily behind the wheel so car insurance rates are higher. Parents adding a youthful driver onto a policy can break the bank. Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.

More discounts equal less premium

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you purchase, but less common discounts must be manually applied before being credited. If you don't get every credit you qualify for, you're just leaving money on the table.

Driver Safety - Completing a defensive driving course can save you 5% or more depending on where you live.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Accident Forgiveness - Some insurance companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Auto/Home Discount - When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.

It's important to understand that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

For a list of insurers who offer car insurance discounts in Georgia, click here to view.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you might need an agent's assistance.

Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in Georgia?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
What is the difference between comprehensive and collision coverage?

If you're not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form. It's fast, free and can help protect your family.

Additional car insurance information can be found on the Georgia Insurance and Safety Fire Commissioner website located here. Visitors are able to discover disciplinary actions, read consumer alerts, and learn about insurance regulations.

Other useful links include this resource for Georgia car insurance prices and this link which helps you find a Carrollton agent.

And the best car insurance company is...

Low-cost car insurance can be sourced both online as well as from independent agents in Carrollton, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. There are a lot of situations where an insured cut physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just presented many tips how you can lower your car insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the least-expected company.