Car Insurance in Dawson Georgia - 10 Tricks to Save Money

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. You have multiple to buy insurance from, and even though it's nice to have multiple companies, having more makes it harder to compare rates.

How much can you save with these ten discounts?

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply. If you're not getting every credit possible, you are throwing money away.

  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Multiple Policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

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Save 15 percent in 15 minutes? Is it for real?

Consumers in Georgia get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all make an identical promise about savings after switching to them.

How does each company claim to save you money?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be over the age of 50, has no driving citations, and has a short commute. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will be quoted higher rates and ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully make the claims of big savings.

This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Visitors are able to view a list of available companies, report car insurance fraud, view agent and company licensing information, and read enforcement actions against agents and companies.

Best coverage at the best price

Cheaper car insurance can be purchased both online and with local Dawson insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, it's very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.