How to Know You're Spending Too Much for Car Insurance in Lithia Springs

Paying for high-priced car insurance can empty your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. Drivers have so many to buy insurance from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices quite often because rates are constantly changing. Even if you got the lowest rates two years ago you can probably find a lower rate today. So ignore everything you know about car insurance because you're going to learn the tricks you need to know to find lower rates on car insurance.

Georgia car insurance

How to Buy Lithia Springs Car Insurance Online

Comparing car insurance rates can be challenging if you aren't aware of the fastest way to get free quotes. You can spend countless hours talking to insurance agencies in Lithia Springs, or you can utilize the web to quickly compare rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company can provide price quotes for coverage. This system prevents you from having to do form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to pricing coverage this way is you are unable to specify the providers you will receive quotes from. So if you want to choose individual companies to compare, we put together a list of low cost car insurance companies in Georgia. Click here for list of insurance companies in Georgia.

It doesn't matter which method you choose, just make darn sure you compare identical coverage limits and deductibles with every price quote. If you use different liability limits it will be next to impossible to find the best deal in Lithia Springs.

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If you're not getting every credit you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you could save up to 5%.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of providers offering car insurance discounts in Georgia, click this link.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Georgia?
  • What are Georgia no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Georgia?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Consumers can file complaints about a company, read enforcement actions against agents and companies, read consumer alerts, and report car insurance fraud.