How to Know You're Paying Too Much for Auto Insurance in Colbert

I can't think of a single person who looks forward to paying for auto insurance, in particular when the price is too high.

Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices periodically because insurance rates are constantly changing. Just because you found the best deal two years ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

If you currently have a car insurance policy, you will be able to save some money using these methods. Buying car insurance in Colbert is easy if you know what you're doing. But Georgia drivers do need to know the way companies sell online and take advantage of how the system works.

Georgia auto insurance quotes

Colbert Auto Insurance Comparisons

There are several ways of comparing rate quotes from different Colbert insurance companies. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. Just one form gets you price quotes from multiple low-cost companies.
  • A less efficient way to compare rate quotes requires a trip to the website for each individual company and request a quote. For instance, let's assume you want to compare , and . To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Colbert, click here.
  • The most time-consuming method of getting rate comparisons is to waste gas driving to local Colbert insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the personal advice that only a license agent can provide. It is possible to get the lowest quotes online and still use a local agent.

Whichever method you choose, be sure to compare exactly the same quote information with every price quote. If your comparisons have mixed coverages it will be next to impossible to find the best deal in Colbert. Slightly different insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will increase your chances of finding a better price.

Take advantage of discounts

Auto insurance companies don't always advertise all their discounts in a way that's easy to find, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Memberships - Participating in a civic or occupational organization may earn a discount on auto insurance.
  • Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles can qualify you for a substantially lower rate.
  • Sign Online - A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Pay Now and Pay Less - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.

Drivers should understand that some credits don't apply to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn't make money that way.

To see a list of companies with discount auto insurance rates in Colbert, click here.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Additional Georgia consumer information

More detailed Georgia auto insurance information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can view agent and company licensing information, file complaints about a company, find out which companies have the most complaints, and view a list of available companies.