Best Way to Find Low-Cost Dawsonville Car Insurance

People who are new to buying insurance online will discover buying affordable Dawsonville car insurance quite challenging.

It's important to do rate comparisons periodically since rates are constantly changing. Just because you had the best deal last year there is a good chance you can find better rates now. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

Choosing the best insurance company for you in Dawsonville is quite easy. If you are paying for car insurance now, you will be able to save some money using these techniques. Nevertheless, Georgia car owners do need to know the way insurance companies sell insurance online and take advantage of how the system works.

Why some people pay less for insurance in Dawsonville

Consumers need to have an understanding of the factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.

Listed below are some of the factors companies use to determine rates.

  • More people means more accidents - Living in less populated areas can be a good thing when it comes to car insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • What type of vehicle do you drive? - The type of car you own makes a big difference in your rates. The most favorable rates are for economy passenger cars, but the cost you end up paying is determined by many additional factors.
  • Tickets mean higher rates - Good drivers receive lower rates than bad drivers. Even a single citation can increase rates twenty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Bundling policies can get discounts - Most insurance companies will give a discount to policyholders who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal.

Georgia car insurance quotes

Dawsonville Car Insurance Comparisons

There are multiple methods to shop for car insurance, but one way is more efficient than others. You can spend your afternoon driving to insurance agencies in Dawsonville, or you can utilize the web for quick rates.

Most of the larger companies take part in a program that enables customers to submit their information once, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you are unable to specify which providers you want to price. So if you prefer to choose specific insurance companies to compare rates, we have a listing of low cost car insurance companies in Georgia. Click here for list of insurance companies in Georgia.

Whichever method you choose, be sure to compare apples-to-apples coverages and limits on every quote. If each company quotes different deductibles it will be next to impossible to make a fair comparison in Dawsonville. Slightly different coverage limits can mean a large discrepancy in price. Keep in mind that more quotes gives you a better chance of getting a lower rate.

Don't pay full price with these discounts

Companies offering auto insurance don't always list all their discounts very well, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Early Signing - A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Organization Discounts - Belonging to a professional or civic organization may earn a discount on car insurance.
  • Drive Less and Save - Driving fewer miles can qualify you for a substantially lower rate.

It's important to understand that some credits don't apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way.

To choose companies offering car insurance discounts in Georgia, click here.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to have a common claim of big savings if you switch to them. But how can every company make the same claim?

All the different companies have a certain "appetite" for the type of driver that makes them money. An example of a desirable insured could be a mature driver, a clean driving record, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher rates and this can result in business going elsewhere. The ad wording is "people who switch" not "everyone that quotes" save money. That is how insurance companies can confidently advertise the savings. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

More tips and info about car insurance is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can view agent and company licensing information, learn about specific coverages, and file complaints about a company.

Other informative sites include Wikipedia and this Dawsonville agent directory.

Georgia car insurance

Affordable insurance is out there

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate.

You just learned a lot of ways to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising.

Drivers switch companies for many reasons like policy non-renewal, high prices, policy cancellation or even unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is easier than you think.