How to Know You're Throwing Money Away for Auto Insurance in Cherrylog

Tired of paying out the nose each month for car insurance? You are no different than many other drivers in Georgia.

Numerous battle for your insurance dollar, so it's not easy to compare every and get the definite lowest price

It's important to do rate comparisons before your policy renews because insurance rates are constantly changing. Just because you found the lowest price a year ago a different company probably has better rates today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

If you have car insurance now, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Cherrylog is quite easy. Nevertheless, Georgia drivers do need to know how big insurance companies sell online because it can help you find the best coverage.

Don't pay full price with these discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but less common discounts must be specifically requested prior to receiving the credit.

Air Bag Discount - Vehicles with factory air bags can get savings of up to 25% or more.
Accident Free - Claim-free drivers pay much less compared to drivers who are more careless.
E-sign - Certain companies will discount your bill up to fifty bucks simply for signing on their website.
Clubs and Organizations - Participating in certain professional organizations may earn a discount on your policy.
Driver Safety - Completing a course in driver safety could save 5% or more if you qualify.
Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Homeowners Pay Less - Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.

It's important to understand that some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

Why some people pay less for insurance in Cherrylog

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that can help you get lower auto insurance prices.

Your credit rating is important - Your credit history is a large factor in your rate calculation. Therefore, if your credit history is not that good, you could potentially save money when insuring your by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations like judges, social workers and accountants tend to pay higher rates than average attributed to job stress and lengthy work days. On the flip side, jobs such as farmers, athletes and performers have the lowest average rates.
Having a spouse can save you money - Having a wife or husband can get you a discount on auto insurance. Marriage is viewed as being more mature and responsible and it's statistically proven that drivers who are married are more cautious.
Protect yourself with liability coverage - Liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Extra coverages can waste money - There are a ton of extra bells and whistles you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and motor club memberships are some examples. They may seem good at first, but if you don't need them get rid of them and save.
How many coverages with the same company - Many insurance companies give discounts to customers who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal. You may still find better rates by buying auto insurance from a different company.
Frequent auto insurance claims increase rates - Insurance companies in Georgia generally give better rates to policyholders who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more you're willing to pay, the less your company will charge you for insurance.

The auto insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads have a common claim of big savings after switching to them. How do they all make almost identical claims?

All companies can use profiling for the type of driver that earns them a profit. For instance, a preferred risk could possibly be between 30 and 50, is a homeowner, and has excellent credit. A driver that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everyone that quotes" save money. That's why insurance companies can confidently make those claims.

That is why drivers should get quotes from several different companies. It is impossible to predict the company that will have the lowest rates.

Learn more today

Additional auto insurance information is located on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Georgia consumers can find out industry alerts, read industry bulletins, get help finding coverage, and find out which companies have the most complaints.

Final considerations

In this article, we presented a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best prices are with an unexpected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .

Low-cost auto insurance can be sourced online and with local Cherrylog insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.