Free Guide to Paying Less for Franklin Springs Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you're not the only one.

Big companies like GEICO and Progressive continually bombard you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest price a few years ago a different company probably has better rates today. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Franklin Springs is quite easy. Nevertheless, Georgia consumers do need to know the methods companies use to price online insurance because it can help you find the best coverage.

Be sure to get all your discounts

Companies don't necessarily list all their discounts in a way that's easy to find, so we researched both the well known and also the lesser-known savings tricks you should be using.

Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
Bundle and Save - If you have multiple policies with one company you may save approximately 10% to 15%.
Federal Government Employee - Active or retired federal employment may qualify you for a discount with select insurance companies.
Drive Less and Save - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
Seat Belts Save - Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.

It's important to understand that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

Tips to Get Lower Franklin Springs Rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with big savings.

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

Older drivers pay less - Older insureds are viewed as being more responsible, file fewer claims and are safer drivers. Youthful drivers are statistically proven to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay before your car insurance pays a claim. The more you have to pay, the less your car insurance will be.
Discounts for multiple policies - Most insurers will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it's still a good idea to compare other company rates to verify if the discount is saving money. You may still be able to find a better deal by buying car insurance from a different company.
Your job and insurance rates - Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, business owners and dentists have the highest average rates due to job stress and lots of time spent at work. Other occupations like actors, historians and homemakers get better rates.
Battle of the sexes - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. They both have accidents in similar numbers, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.

Is there truth in advertising?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make an identical promise of big savings if you switch your coverage to them. How can each company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured might be over the age of 40, has no driving citations, and has a short commute. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should compare many company's rates. You cannot predict which car insurance company will fit your personal profile best.

Learn more about Georgia car insurance

More tips and info about car insurance is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, read consumer alerts, and read industry bulletins.

Affordable insurance is out there

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best price.

Low-cost car insurance can be found both online as well as from independent agents in Franklin Springs, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.