Easy Techniques to Pay Less on Jefferson Car Insurance

Are you intimidated by the number of car insurance choices in Jefferson? Lot's of other consumers are too. There are so many options available that it can turn into a lot of work to find better rates.

It's important to check car insurance prices every six months due to the fact that insurance rates are constantly changing. Just because you had the best deal a couple years back you may be paying too much now. So block out anything you think you know about car insurance because I'm going to teach you the only way to save money, get proper coverage and the best rates.

Comprehensive Jefferson Car Insurance Comparison

Getting better car insurance pricing is actually quite simple. Just take a couple of minutes comparing price quotes provided by online insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to get quotes is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote for every car insurance company. Filling out one form will return quotes . It's definitely the quickest method.

A slightly less efficient method to compare rate quotes is to take the time to go to each individual company website to request a price quote. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, and that's why the first method is more popular.

To view a list of companies in Jefferson, click here.

The hardest method to compare rates is driving around to insurance agents' offices. The internet makes this process obsolete unless you have a need for the professional advice of a local agent. Drivers can compare the best prices online and still use a local agent and you'll learn how to do that later.

It's up to you how you get prices quotes, just ensure you are comparing identical coverages and limits for each price quote. If you use different deductibles you will not be able to truly determine the lowest rate in Jefferson.

What determines how much you pay?

It's important that you understand the rating factors that go into determining the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are some of the factors companies use to determine rates.

  • Discounts for married couples - Being married can actually save you money on your car insurance policy. It is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more money you're willing to pay, the less your car insurance will be.
  • Bad driving skills means higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than bad drivers. Only having one speeding ticket can increase rates forty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Where you live - Choosing to live in a rural area can be a good thing when talking about car insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Older drivers save more - Youthful drivers in Georgia are statistically proven to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Performance makes a difference - The performance level of the car you own makes a huge difference in the rate you pay. The cheapest insurance rates are usually for low performance passenger models, but there are many factors that impact the final cost.

Take advantage of discounts

Companies that sell car insurance do not list all their discounts very clearly, so here is a list both the well known and the harder-to-find ways to save on car insurance. If you're not getting every credit possible, you're just leaving money on the table.

  • Sign Online - Certain companies may give you up to $50 just for signing your application over the internet.
  • Homeowners Discount - Owning a house in Jefferson may earn you a small savings because owning a home requires personal responsibility.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.
  • Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.

Keep in mind that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, it just doesn't work that way.

For a list of companies offering car insurance discounts in Georgia, click this link.

Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to get help finding coverage, report car insurance fraud, and file complaints about a company.

Other useful links include this site for Georgia car insurance information and see this list of insurance agents in Jefferson.

And the best car insurance company is...

Affordable car insurance is available both online and with local Jefferson insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just presented some good ideas how to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company.

As you go through the steps to switch your coverage, make sure you don't reduce needed coverages to save money. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price.