Free Guide to Saving Money on Chamblee Auto Insurance Online

No one in their right mind cherishes buying auto insurance, in particular when the cost is way too high. Numerous battle for your insurance dollar, and it can be difficult to compare rates to get the lowest price

It's important to price shop coverage periodically because insurance rates are constantly changing. Just because you found the best price six months ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that may reward you with big savings.

Shown below are a few of the "ingredients" that factor into rates.

Teen drivers pay high rates - Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers have a tendency to be less responsible behind the wheel therefore auto insurance rates are much higher.
Traffic violations increase rates - Just one moving violation may increase your cost forty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to prevent a license revocation.
Do you have enough liability coverage? - Your policy's liability coverage is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Safer cars are cheaper to insure - Vehicles with good safety scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

Chamblee Auto Insurance Comparisons

Reducing your insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The fastest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do boring form submissions to each individual auto insurance company. Just one form gets you price quotes from all major companies.
A less efficient way to get quotes online requires a trip to each company's website to request a price quote. For example, we'll assume you want to compare , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Chamblee, click here.

It's up to you how you get prices quotes, just be sure to compare the exact same quote information for each price quote. If you have mixed coverages you can't possibly truly determine the lowest rate in Chamblee.

Save big with these discounts

Companies don't necessarily list all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Discount for New Cars - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Organization Discounts - Participating in certain professional organizations could trigger savings on auto insurance.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Bundle and Save - If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

To choose companies with discount auto insurance rates in Chamblee, click this link.

Auto insurance ads bend the truth

Georgia consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you can save if you change your policy.

How do they all make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and has a high credit rating. A driver who matches those parameters will get very good rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that kind of money. That is how insurance companies can state the savings. Because of the profiling, you need to compare many company's rates. It is impossible to predict which company will have the lowest rates.

But I don't know anything about car insurance

When buying the right insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions may help highlight if your situation might need an agent's assistance.

Should I file a claim if it's only slightly more than my deductible?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?
Is my dog or cat covered if injured in an accident?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read enforcement actions against agents and companies, file complaints about a company, find out which companies have the most complaints, and find disaster information.

Best coverage at the best price

As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where someone dropped physical damage coverage only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage at the best price.

In this article, we presented some good ideas how to compare auto insurance prices online. It's most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like .

Affordable auto insurance can be sourced online in addition to many Chamblee insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.