Easy Methods to Pay Less on Hartwell Auto Insurance

Finding lower rates for Hartwell auto insurance is challenging for people who are new to comparing rates online. You have so many choices that it can be a ton of work to find the best price in Hartwell.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Just because you had the lowest price a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you're about to learn the proper way to get good coverage at a lower rate.

Shopping for affordable coverage in Hartwell is easy if you know what you're doing. If you have insurance now or need new coverage, you can use these techniques to find the best rates while maximizing coverage. Georgia drivers only need an understanding of the most effective way to compare company rates online.

Cheap Hartwell Auto Insurance Comparisons

Comparing auto insurance rates can be exhausting if you don't know the easiest way. You could spend your day discussing policy coverages with insurance agencies in Hartwell, or you could save time and use online quotes for quick rates.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which companies to receive prices from. So if you prefer to pick specific providers to compare, we have a listing of auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.

However you get your quotes, ensure you're using apples-to-apples coverages and limits with every price quote. If you use different deductibles it will be impossible to find the best deal in Hartwell.

Hartwell auto insurance comparison

Tips to Get Lower Hartwell Rates

It's important that you understand the factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • 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 more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Frequent auto insurance claims increase rates - Car insurance companies in Georgia generally give discounts to policyholders 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 intended to be relied upon for major claims that would cause financial hardship.
  • What type of vehicle do you drive? - The make and model of the car you own makes a significant difference in determining your rates. The lowest rates are for small economy passenger cars, but there are many factors that impact the final cost.
  • High credit ratings translate to low rates - Credit score is a important factor in your rate calculation. If your credit is lower than you'd like, you could be paying less to insure your by improving your rating. People with high credit scores tend to be more responsible than drivers with poor credit.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, social workers and stock brokers have the highest rates because of job stress and lengthy work days. On the other hand, occupations like farmers, students and homemakers get better rates.
  • Don't buy coverages you don't need - There are many extra bells and whistles that you can buy if you aren't careful. Things like vanishing deductibles, towing coverage and additional equipment coverage are some examples. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Older drivers save more - Teenage drivers in Georgia are statistically proven to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • A clean driving record saves money - Your driving citation history has a big impact on rates. Just one citation can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums 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 the DMV in their state in order to continue driving.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings. If you don't get every credit available, you're just leaving money on the table.

  • Senior Discount - Older drivers may qualify for a small decrease in premiums.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Early Signing - Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Passive Restraint Discount - Factory air bags can receive discounts of up to 25% or more.
  • Claim Free - Claim-free drivers pay much less as compared to frequent claim filers.
  • Defensive Driver - Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies offering auto insurance discounts in Georgia, click here.

Additional auto insurance information is located on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia drivers can learn about insurance regulations, download brochures, and learn about specific coverages.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Hartwell.

A tidy conclusion

When shopping online for auto insurance, don't be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

Drivers switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, high prices and poor customer service. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Throughout this article, we presented a lot of techniques to lower your auto insurance rates. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with a small local company.