Lower Online Colquitt Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, you may be confused due to the large number of auto insurance companies competing for business in Colquitt.

Don't pay full price with these discounts

Companies that sell car insurance don't always list every discount very clearly, so we took the time to find both the well known as well as the least known auto insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
Distant Student - Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurance companies offering auto insurance discounts in Georgia, follow this link.

Auto Insurance Comparison Rates in Colquitt, GA

There are multiple methods to shop for auto insurance, and some are easier and takes less work. You can waste a lot of time talking to agents in Colquitt, or you could save time and use online quotes to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to submit their information once, and each company returns a competitive quote for coverage. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you can't choose which carriers to get quotes from. So if you prefer to choose specific providers for rate comparison, we put together a list of auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote you get. If you use different deductibles it will be impossible to determine which rate is truly the best in Colquitt.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting prices.

Frequent auto insurance claims increase rates - If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies in Georgia provide lower rates to insureds who are claim-free. Auto insurance is intended for larger claims.
High performance equals high price - The type of car you are buying insurance for makes a huge difference in your rates. The lowest rates are generally reserved for economy passenger vehicles, but there are many factors that impact the final cost.
Cautious drivers pay less - Careful drivers have lower premiums than bad drivers. Just one moving violation can boost insurance rates twenty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Mature drivers pay less - Youthful drivers in Georgia are statistically proven to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your auto insurance policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Georgia?
Why does it cost so much to insure a teen driver in Colquitt?
I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

The auto insurance bait and switch

Consumers in Georgia can't get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. They all say the same thing about savings if you switch to their company.

How does each company claim to save you money?

All companies have a certain "appetite" for the driver that is profitable for them. For example, a driver they prefer might be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's impossible to know which company will provide you with the cheapest rates.

A tidy conclusion

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, high prices, poor customer service or not issuing a premium refund. Regardless of your reason, choosing a new insurance company is actually quite simple.

We covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a small local company.

When shopping online for auto insurance, it's very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Additional Georgia consumer information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to download brochures, learn about specific coverages, and file complaints about a company.