Tightwads Tips for Saving on Edison Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are a lot of people in Edison just like you who feel imprisoned by their auto insurance policy.

Drivers have multiple to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months since insurance rates are constantly changing. Despite the fact that you may have had the best rates a couple years back there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

Locating the cheapest protection in Edison can be fairly easy. Essentially every driver who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But Georgia vehicle owners do need to know how big insurance companies compete online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage shows the proper vehicle usage.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your auto insurance will be.
Teen drivers pay high rates - Teenage drivers in Georgia are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
Men pay higher rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and financial analysts tend to have higher average rates in part from stressful work requirements and lengthy work days. Conversely, jobs such as actors, engineers and performers receive lower rates.
Choose a safe vehicle and save - Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates.

How to Compare Auto Insurance in Edison, Georgia

Effectively comparing auto insurance prices can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Edison, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to send in one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating 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 using this type of form is that consumers can't choose which providers you want to price. If you prefer to choose specific providers to request quotes from, we have a page of the cheapest auto insurance companies in Georgia. Click to view list.

It's up to you which method you use, but ensure you are comparing identical coverage information with each company. If each company quotes unequal deductibles or liability limits you will not be able to make an equal comparison in Edison. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Don't pay full price with these discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked about before you will receive the discount.

Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
College Student - Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
No Accidents - Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
Homeowners Discount - Owning a house in Edison can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Drivers Education - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think it's possible to get free car insurance, companies don't profit that way. But all discounts will bring down your premiums.

To choose companies who offer auto insurance discounts in Georgia, click here to view.

The auto insurance bait and switch

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to make an identical promise that you'll save big after switching to their company. How does each company say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be profiled as between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will have to pay more money and ends up with business not being written. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That's the way companies can advertise the way they do.

Because of the profiling, you need to get as many quotes as possible. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Much more information about auto insurance in Georgia can be read on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Georgia drivers can file complaints about an insurance agent or broker, report car insurance fraud, read enforcement actions against agents and companies, and learn about insurance regulations.

Shop smart and save

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price.

Discount auto insurance can be bought on the web and also from your neighborhood Edison agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.