Comparison Shop Fitzgerald Car Insurance Prices With These Tips

Buying affordable Fitzgerald car insurance over the internet can seem to be intimidating for consumers new to buying insurance on the web. Since there are so many insurers available, how can you effectively compare the different rates to find the lowest price?

It's important to compare prices on a regular basis since rates are constantly changing. Just because you had the lowest price last year a different company probably has better rates today. Don't believe everything you read about car insurance online, so we're going to give you some great ways to find cheap car insurance.

Choosing the best insurance company for you in Fitzgerald is quite easy. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Nevertheless, Georgia consumers do need to know the way companies sell insurance online because it can help you find the best coverage.

Don't pay full price with these discounts

Companies do not advertise every available discount very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using.

Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Accident Waiver - Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
Own a Home - Being a homeowner can help you save on car insurance because owning a home shows financial diligence.
Senior Citizens - If you qualify as a senior citizen, you may qualify for better car insurance rates.
Seat Belts Save - Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
No Accidents - Drivers who don't have accidents pay much less compared to drivers who are more careless.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Knowing what determines base rates enables informed choices that can help you get lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting your rates.

Bundling policies can get discounts - Most insurers give discounts to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to ensure the best deal.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men cause accidents in similar numbers, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
Poor driving leads to higher costs - Careful drivers tend to pay less for car insurance than bad drivers. Even one citation can boost insurance rates by as much as thirty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Where you live is a factor - Residing in a rural area has it's advantages when talking about car insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Lower population translates into fewer accidents as well as less vandalism and auto theft.
Drive less and save money - The more miles you rack up on your car in a year's time the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Pay less if you're married - Having a wife or husband can actually save you money on your policy. Marriage means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

The car insurance bait and switch

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise of big savings if you switch to their company. How does each company claim to save you money? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications will get very good rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will be charged more money and ends up with the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently advertise the savings. That is why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Georgia car insurance information

More tips and info about car insurance is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read consumer alerts, learn about insurance regulations, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Fitzgerald agent directory.

Affordable insurance is out there

As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. Too many times, drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Cost effective car insurance is available both online and also from your neighborhood Fitzgerald agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just covered some good ideas how you can reduce car insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest rates come from a lesser-known regional company.