Easy Ways to Spend Less on Lilburn Car Insurance
Finding affordable Lilburn car insurance is a challenge for consumers new to shopping for insurance online. There are so many companies to choose from that it can easily become more work than you anticipated to find the best price in Lilburn.
It's important to compare prices once or twice a year because rates are constantly changing. If you had the lowest price a few years ago you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance online, so we're going to give you some great ways to put money back in your pocket.
Are you getting all your discounts?
Companies don't list every available discount in a way that's easy to find, so we researched some of the more common and also the lesser-known ways to save on car insurance.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
- Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with certain companies.
- Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings on your policy.
- Lower Rates for Military - Having a family member in the military can result in better rates.
It's important to note that many deductions do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you're out of luck.
How can Allstate and Progressive save drivers who switch?
Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make the same claim that you can save if you move your coverage to them. How can each company make the same claim? It's all in the numbers.
Insurance companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk could be a mature driver, has no tickets, and has a short commute. A customer who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.
Drivers who are not a match for the requirements will be charged a higher premium which leads to business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that much money. That's why insurance companies can make the claims of big savings. That is why you should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.
More Georgia car insurance information
Additional detailed information is located at the Georgia Insurance and Safety Fire Commissioner website. Consumers can read consumer alerts, download brochures, and file complaints about a company.
Affordable insurance is out there
As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.
Insureds who switch companies do it for a variety of reasons including policy non-renewal, extreme rates for teen drivers, poor customer service and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.
We just showed you many ideas to reduce car insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on car insurance is with some of the smallest insurance companies.
