Finding Cheap Gay Auto Insurance

I can't think of anyone who cherishes buying auto insurance, in particular when their premiums are through the roof.

There are many to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to compare rates.

It's important to check auto insurance prices periodically because insurance rates are constantly changing. If you had the lowest rates two years ago a different company probably has better rates today. So just forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to save money, get proper coverage and the best rates.

Choosing the best insurance company for you in Gay is not that difficult. Essentially everyone who carries auto insurance stands a good chance to be able to cut their insurance bill. Although Georgia drivers do need to know how the larger insurance companies determine prices and use this information to your advantage.

Don't pay full price with these discounts

Companies that sell car insurance don't always list all their discounts very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using.

Accident Forgiveness - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Defensive Driving Course - Taking part in a course in driver safety can save you 5% or more if you qualify.
Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
Accident Free - Good drivers with no accidents can save substantially as compared to drivers who are more careless.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Sex matters - Statistics show that women are safer drivers than men. However, don't assume that women are better drivers. They both cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
Better credit means lower rates - Credit rating is a huge factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
Your car's features help determine rates - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
Pay less after the wedding - Having a spouse actually saves money on your policy. It is viewed as being more responsible it has been statistically shown that married couples file fewer claims.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?
Can I rate high risk drivers on liability-only vehicles?

If you're not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise about savings if you move to them. How does each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A driver who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings. Because of the profiling, drivers should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Additional Georgia consumer information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can learn about insurance regulations, find out industry alerts, view a list of available companies, and get help finding coverage.

Do the work, save more money

The cheapest auto insurance is possible online and with local Gay insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented many tips how you can reduce auto insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .