Buy Cheaper Crawfordville Auto Insurance

Expensive auto insurance can overdraw your personal savings and make it hard to pay other bills. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Lots of contend for your business, and because of this it can be hard to compare to find the lowest price

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Listed below are some of the items used by your company to calculate premiums.

Increase deductibles and save - The deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you have to pay, the bigger discount you will receive.
Teen drivers pay high rates - More mature drivers are more responsible, file fewer claims and are safer drivers. Teen drivers are statistically proven to be more careless when driving therefore auto insurance rates are much higher.
Multiple policies with one company can save - Most insurance companies will award you with lower prices to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you're getting this discount it's in your best interest to comparison shop to verify if the discount is saving money.
Liability coverage protects you - Liability insurance is the protection if a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Your job and insurance rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, social workers and accountants have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations like pilots, athletes and homemakers get better rates.

Low Cost Crawfordville Auto Insurance

There are several ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in Crawfordville, or you can stay home and use the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a rated price for coverage. This prevents consumers from doing quote requests to each individual auto insurance company. To submit your quote information now, click here to open in new window.

The one disadvantage to comparing rates this way is you cannot specify which providers you want pricing from. So if you want to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.

Whichever method you choose, make darn sure you compare the exact same coverage limits and deductibles on every quote you get. If you use different liability limits it will be very difficult to determine which rate is truly the best in Crawfordville. Slightly different coverages can result in a big premium difference. And when comparison shopping, comparing a large number of companies will enable you to find the best rates.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don't even know exist. Some trigger automatically when you quote, but some may not be applied and must be asked for before you get the savings.

Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.
Student in College - Youth drivers living away from home attending college and do not have a car can receive lower rates.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Organization Discounts - Participating in certain professional organizations may earn a discount when buying auto insurance.
Claim Free - Drivers who don't have accidents pay less when compared with accident-prone drivers.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save up to 5%.

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

To choose insurers offering auto insurance discounts in Crawfordville, click here.

Is there truth in advertising?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies have a common claim about savings if you switch your coverage to them. How do they all make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of customer that makes them money. A good example of a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully claim big savings.

This illustrates why you need to get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone's situation is unique and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent's advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
What are Georgia no-fault laws?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Do I qualify for additional discounts?
Am I getting all the discounts available?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia consumers can report car insurance fraud, read enforcement actions against agents and companies, read consumer alerts, and find out which companies have the most complaints.

Shop smart and save

Cheap auto insurance can be found online as well as from independent agents in Crawfordville, so you should compare both to have the best selection. A few companies don't offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In too many instances, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.