Lower Online Jonesboro Auto Insurance Prices With These Tricks

If you've never shopped for auto insurance online, it's easy to get confused by the hoards of auto insurance companies all offering big savings in Jonesboro.

It's important to take a look at other company's rates periodically because insurance rates are constantly changing. Just because you found the best deal a few years ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're about to learn the only way to reduce your cost while increasing coverage.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Discount for New Cars - Insuring a new car is cheaper since new cars are generally safer.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings - Owning a house in Jonesboro can save you money because maintaining a house requires personal responsibility.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more if you qualify.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

Jonesboro auto insurance comparison

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim that you can save if you change to their company. But how can every company make almost identical claims?

All companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and has a short commute. A driver that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Additional Georgia consumer information

More information is available on the Georgia Insurance and Safety Fire Commissioner website located here. Georgia consumers can read enforcement actions against agents and companies, file complaints about a company, and report car insurance fraud.

Also read more on Auto Insurance 101 and this page where you can research Jonesboro insurance agents.

Georgia auto insurance

Shop smart and save

As you shop your coverage around, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we presented a lot of techniques to reduce auto insurance prices online. It's most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

Affordable auto insurance can be sourced online and also from your neighborhood Jonesboro agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.