Tightwads Guide to Saving on Fortson Auto Insurance

Tired of being strong-armed each month for car insurance? You're in the same situation as many other Georgia consumers.

Because you have many auto insurance companies to choose from, it is very difficult to find the right insurance company.

It's important to shop coverage around once or twice a year because prices are constantly changing. Just because you had the lowest price last year you can probably find a better price now. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Finding affordable coverage in Fortson is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. But Georgia drivers do need to know the way insurance companies sell insurance online because it can help you find the best coverage.

Tips to Get Lower Fortson Rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are a partial list of the pieces used by your company to calculate rates.

  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Better crash test results mean better rates - Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • What type of vehicle do you drive? - The make and model of the car you own makes a substantial difference in determining your rates. The cheapest insurance rates tend to be for small economy passenger vehicles, but there are many factors that impact the final cost.
  • Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one citation can bump up the cost by as much as thirty percent. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Don't sacrifice liability coverage - Liability insurance will protect you if ever a court rules you are at fault for personal injury or accident damage. It provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Your occupation can affect rates - Did you know that where you work can have an impact on rates? Jobs such as judges, architects and stock brokers have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, occupations like farmers, students and homemakers get better rates.
  • An active claims history can cost you - Car insurance companies in Georgia provide discounts to people who do not file claims often. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.

Fortson auto insurance comparison

Be sure to get all your discounts

Companies don't always advertise all their discounts very well, so we researched both well-publicized and the harder-to-find auto insurance savings.

  • Save over 55 - If you're over the age of 55, you may qualify for a small decrease in premiums.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.
  • Early Signing - Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Good Students Pay Less - This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Organization Discounts - Participating in a professional or civic organization could qualify you for a break on auto insurance.
  • Claim Free - Claim-free drivers pay much less as compared to accident-prone drivers.
  • Drive Less and Save - Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Driver's Ed - Cut your cost by having your teen driver complete a driver education course in school.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • College Student - Children who are attending college and do not have a car can receive lower rates.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way.

To choose companies offering auto insurance discounts in Georgia, follow this link.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing that you'll save big if you switch your coverage to them. But how can every company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that makes them money. For instance, a desirable insured could possibly be a mature driver, has no tickets, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why companies can advertise the savings. Because of the profiling, you should compare many company's rates. It's impossible to know the company that will give you the biggest savings.

More detailed Georgia auto insurance information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can learn about insurance regulations, find disaster information, learn about specific coverages, and file complaints about a company.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Fortson.

compare Fortson auto insurance rates

Shop smart and save

As you prepare to switch companies, don't be tempted to buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.

You just read a lot of information how to save on auto insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates compared to the large companies like .