Easy Tips to Save Money on Folkston Auto Insurance

Finding the best price on Folkston auto insurance might seem complicated at first if you are a beginner to online rate quotes. But relax because it's actually quite easy.

If you currently have car insurance, you should be able to save some money using these techniques. Buying affordable coverage in Folkston is simple if you know the tricks. Nevertheless, Georgia vehicle owners do need to know how insurance companies price online insurance and take advantage of how the system works.

Don't pay full price with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before being credited.

Military Discounts - Having a family member in the military could mean lower rates.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
Multiple Policy Discount - If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
No Claims - Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.
Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Homeowners Savings - Simply owning a home may earn you a small savings because owning a home requires personal responsibility.

It's important to understand that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to better auto insurance rates.

Optional equipment can affect rates - Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
Better credit scores mean better rates - Having a bad credit score is a large factor in determining your rates. Therefore, if your credit is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
How many coverages with the same company - Most auto insurance companies provide better rates to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible.
Never go without insurance - Allowing your auto insurance policy to lapse is a sure-fire way to bump up your auto insurance costs. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Why am I be forced to buy a membership to get insurance from some companies?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?
When do I need to add a new car to my policy?

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form.

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make the same claim of big savings if you switch your policy. How can each company say the same thing?

Different companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer might be profiled as over the age of 50, owns a home, and has excellent credit. A propective insured who matches those parameters will get very good rates and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will be quoted higher prices which leads to business not being written. The ads say "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently make those claims.

This emphasizes why drivers should get as many quotes as possible. It's not possible to predict which company will have the lowest rates.

Additional auto insurance information is available on the Georgia Insurance and Safety Fire Commissioner website through this link. Georgia drivers can view a list of available companies, find out industry alerts, and read consumer alerts.

The best insurance company isn't always the cheapest

Insureds switch companies for many reasons like unfair underwriting practices, policy cancellation, policy non-renewal and even being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

While you're price shopping online, it's a bad idea to skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

Low-cost auto insurance can be found on the web in addition to many Folkston insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.