Comparing the Cheapest Helen Auto Insurance

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as the majority of other car owners in Georgia.

Insurance companies such as GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

How to Compare Helen Auto Insurance Rates

There are multiple methods you can shop for auto insurance but one way is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in Helen, or you can utilize the web to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace that enables customers to complete one form, and each company returns a competitive quote for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which companies to get quotes from. So if you prefer to pick from a list of companies to compare rates, we put together a list of low cost auto insurance companies in Georgia. View list of Georgia insurance companies.

It's your choice how you get your quotes, but ensure you're using exactly the same deductibles and coverage limits on every quote you get. If you use different values for each quote it will be next to impossible to determine which rate is truly the best in Helen. Quoting even small variations in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons will improve the odds of getting better pricing.

Understand what determines the rate you pay

It's important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into prices.

  • Always keep insurance in force - Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Rates may be lower depending on your job - Careers like judges, business owners and dentists are shown to have the highest average rates attributed to high stress levels and long work days. Other jobs such as farmers, historians and the unemployed pay the least.
  • Keep rates low by being claim-free - Companies in Georgia award cheaper rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Pay less after the wedding - Having a wife or husband actually saves money on your policy. Having a significant other usually means you are more responsible and it's statistically proven that drivers who are married are more cautious.
  • Bump up deductibles to save - Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and burglary. The more the insured has to pay upfront, the less your company will charge you for insurance.
  • Traffic violations increase rates - A bad driving record has a huge affect on how much you pay. Even one citation may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Don't buy coverages you don't need - There are a lot of extra bells and whistles that can waste your money on your auto insurance policy. Insurance for personal injury protection, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise every discount in a way that's easy to find, so we researched both well-publicized and the more hidden savings tricks you should be using.

  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • No Claims - Claim-free drivers pay much less when compared to frequent claim filers.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
  • Military Discounts - Being on active duty in the military can result in better rates.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Homeowners Pay Less - Simply owning a home can help you save on auto insurance because of the fact that having a home shows financial diligence.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with the best auto insurance discounts in Helen, click here to view.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find a variety of consumer forms, read industry bulletins, download brochures, and find disaster information.

Final considerations

Cheaper auto insurance is possible online in addition to many Helen insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online quoting and these small, regional companies work with independent agents.

In this article, we presented many tips how you can lower your auto insurance rates. The key concept to understand is the more price quotes you have, 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 company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .