Tightwads Instructions on Saving on Hiawassee Car Insurance

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.

Lots of contend to insure your vehicles, so it can be very hard to choose a and get the definite lowest rate

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance in Hiawassee is quite easy. Nevertheless, Georgia car owners do need to know the way companies compete online and apply this information to your search.

Save big with these discounts

Companies don't necessarily list every discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

Accident Free - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles can earn better rates on cars that stay parked.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don't profit that way.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make the same claim of big savings after switching to them. How do they all make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be quoted more money which leads to business going elsewhere. The ads state "customers who switch" not "people who quote" save money. That's the way insurance companies can confidently make the claims of big savings. This emphasizes why you should get a wide range of price quotes. Because you never know which car insurance company will fit your personal profile best.

Learn more about Georgia car insurance

More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can read industry bulletins, report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.

Affordable insurance is out there

Cost effective car insurance can be bought from both online companies and with local Hiawassee insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.