6 Simple Tips to Reduce Car Insurance Costs in Gordon, GA

Finding lower premiums on Gordon car insurance is difficult for beginners to comparing rates online. Consumers have so many choices that it can quickly become a big hassle to find the best price in Gordon.

Take advantage of discounts

Auto insurance companies do not advertise all available discounts very well, so we took the time to find both the well known and also the lesser-known ways to save on car insurance. If you don't get every credit available, you're paying more than you need to.

  • Memberships - Being a member of a professional or civic organization could trigger savings when buying car insurance.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.
  • One Accident Forgiven - Some insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To see a list of insurers with discount car insurance rates in Georgia, click this link.

How to Compare Car Insurance Costs in Gordon

Finding cheaper car insurance prices isn't really that difficult. Just spend a few minutes comparing rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for multiple quote forms to each individual car insurance company. Taking the time to complete one form gets you price quotes from multiple low-cost companies. This is by far the quickest method.
  • A more time consuming way to compare rate quotes requires a trip to each individual company website and request a quote. For sake of this example, let's assume you want rates from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in Gordon, click here.
  • The hardest way of getting rate comparisons is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed Gordon agents. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just double check that you are using apples-to-apples quote information with every price quote. If you enter mixed coverages you can't possibly find the best deal in Gordon.

Are car insurance companies telling the truth?

Consumers in Georgia can't get away from ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies make the same claim about savings if you change your coverage to them.

But how can every company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the type of customer that is profitable for them. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a more expensive rate which leads to the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings. This illustrates why drivers must quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

And the best car insurance company is...

Cheap car insurance can be sourced both online as well as from independent agents in Gordon, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, lack of trust in their agent or policy cancellation. No matter why you want to switch, finding a new car insurance company is actually quite simple.

When buying insurance coverage, do not reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

compare Gordon car insurance rates

More Georgia car insurance information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

Additional helpful sites include this link for Georgia car insurance quotes and this link which helps you find a Gordon agent.