Decatur Car Insurance For Less Than You're Paying Now

Searching for the lowest cost Decatur car insurance on the web can be rather challenging for beginners to comparison shopping online. When there are so many companies in the marketplace, how can you possibly compare every one to find the lowest price available?

It's important to price shop coverage quite often due to the fact that insurance rates are constantly changing. If you had the lowest rates two years ago you can probably find a better price now. So just ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to lower your annual insurance bill.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

The list below includes a few of the "ingredients" that factor into rates.

  • Discounts for married couples - Having a spouse actually saves money on your car insurance policy. It usually means you are more mature and it's proven that married drivers get in fewer accidents.
  • Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like DUI and reckless driving.
  • Rates may be higher depending on your occupation - Jobs such as lawyers, executives and financial analysts are shown to have higher average rates because of high stress and lengthy work days. Conversely, professions such as pilots, engineers and the unemployed pay the least.
  • Optional equipment can affect rates - Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Pleasure use saves money - The more you drive in a year's time the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Autos left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance policy shows the correct driver usage.

Save big with these discounts

Auto insurance companies don't list all their discounts very clearly, so we break down both the well known as well as the least known ways to save on car insurance.

  • Sign Online - Certain companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
  • No Claims - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, it just doesn't work that way.

To choose companies with the best car insurance discounts in Georgia, click this link.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move your policy. How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. For example, a desirable insured might be over the age of 40, insures multiple vehicles, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and most likely will save when switching.

Consumers who fall outside these standards will have to pay higher prices which leads to the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. This is how insurance companies can state the savings. Because of the profiling, you should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions may help you determine if your situation could use an agent's help.

  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy additional glass protection?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to get help finding coverage, learn about insurance regulations, and read industry bulletins.

Decatur car insurance comparison

Final considerations

Affordable car insurance is definitely available both online in addition to many Decatur insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, never buy poor coverage just to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford.

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, high rates after DUI convictions or even unfair underwriting practices. Whatever your reason, choosing a new insurance company is easier than you think.