Getting Cheap Elberton Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you.

You have multiple to buy insurance from, and though it is a good thing to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons every six months because rates are constantly changing. Even if you got the best price a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Elberton is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But Georgia car owners do need to know the way companies price insurance differently and apply this information to your search.

More discounts equal less premium

Companies don't list every available discount very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates on your policy.
Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, companies don't profit that way.

Why some people pay less for insurance in Elberton

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

The following are a few of the "ingredients" companies use to determine your rates.

How's your driving record? - Your driving record has a lot to do with how much you pay for insurance. Good drivers have lower premiums compared to drivers with tickets. Even one ticket can increase rates forty percent or more. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The higher the amount you're willing to pay, the less your car insurance will be.
Your location is important - Choosing to live in a rural area has it's advantages when it comes to car insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Less people living in that area means fewer accidents.
Older drivers pay less - Young drivers in Georgia are known to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
Discounts for multiple policies - Many insurers give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal. You may still find a better deal by buying insurance from more than one company.
Liability coverage is peace of mind - Liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Switch companies and save? Really?

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads make an identical promise that you'll save big after switching to them. How does each company make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer who meets those qualifications receives the best rates and therefore will save when switching.

Potential customers who do not match these standards will be charged a higher premium and ends up with business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save money. That's the way companies can make the claims of big savings. That is why drivers should get a wide range of price quotes. Because you never know which car insurance company will fit your personal profile best.

More detailed Georgia car insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can file complaints about a company, report car insurance fraud, view agent and company licensing information, and read enforcement actions against agents and companies.

Affordable insurance is out there

We just showed you some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

Discount car insurance can be purchased from both online companies and with local Elberton insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance 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 cases where someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.