Buy Cheap Clayton Auto Insurance

Having to pay for overpriced auto insurance can dwindle your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to make sure you're not throwing money away. Consumers have many to pick from, and although it's nice to be able to choose, it can be more difficult to compare rates.

Buying car insurance in Clayton is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Georgia consumers only need to know the tricks to get comparison quotes online.

You have some control over your rates

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Rates may be higher depending on your occupation - Careers like lawyers, executives and financial analysts tend to have higher average rates attributed to high stress levels and lengthy work days. Conversely, professions such as pilots, engineers and the unemployed receive lower rates.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are worse drivers. Women and men tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
Frequent auto insurance claims increase rates - Companies in Georgia give lower rates to insureds who are claim-free. If you tend to file frequent claims, you can expect higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
The more you drive the more you pay - The more you drive in a year's time the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance policy shows the correct driver usage.
Do you need those extra coverages? - There are a lot of add-on coverages that can waste your money on your auto insurance policy. Coverages for roadside assistance, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.

Take advantage of discounts

Car insurance companies don't list every discount very clearly, so we break down both well-publicized and the more hidden ways to save on auto insurance. If you're not getting every credit you deserve, you are paying more than you should be.

Government Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Save over 55 - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Organization Discounts - Participating in a qualifying organization could trigger savings when shopping for auto insurance.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company could earn a price break for each car.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Accident Waiver - Certain companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies with the best auto insurance discounts in Georgia, click this link.

Are auto insurance companies telling the truth?

Georgia consumers can't ignore all the ads for car insurance savings by Progressive, Allstate and GEICO. They all make the same claim about savings if you move to their company.

How does each company make almost identical claims?

All companies have a preferred profile for the driver that makes them money. For example, a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has a short commute. A driver who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which leads to the driver buying from a lower-cost company. The ad wording is "people who switch" not "people who quote" save that much. This is how companies can truthfully make the claims of big savings. This emphasizes why you should compare as many rates as you can. It is impossible to predict which insurance companies will fit your personal profile best.

How to know if you need help

When buying adequate coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. These are some specific questions may help you determine whether your personal situation may require specific advice.

Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

More sites with auto insurance information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read industry bulletins, learn about insurance regulations, download brochures, and file complaints about an insurance agent or broker.

Other informative sites include this online resource for auto insurance quotes in Georgia and this list of insurance agents in Clayton.

A tidy conclusion

As you shop your coverage around, make sure you don't buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

The cheapest auto insurance is definitely available online and also from your neighborhood Clayton agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.