Car Insurance in Macon - 9 Discounts You Might be Missing

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as many other Georgia consumers. With so many companies to choose from, it is very difficult to choose the best company.

It's important to shop coverage around before your policy renews since rates are constantly changing. Even if you got the best price a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're about to learn the only way to get good coverage at a lower rate.

Buying car insurance in Macon is easy if you know what you're doing. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Georgia vehicle owners just need to know how to get comparison quotes online.

Compare Macon Car Insurance Costs

Getting better car insurance pricing is surprisingly easy. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quotes for every car insurance company. In just a few minutes this one form compares rates instantly.

A more time consuming way to compare rate quotes is going to each individual company website to request a price quote. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

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

The most time-consuming way to compare rates to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you require the personal advice of a local agent. It is possible to compare the best prices online and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you're using apples-to-apples coverage limits and deductibles for each price quote. If you are comparing different liability limits it will be impossible to truly determine the lowest rate in Macon.

Take advantage of discounts

Car insurance companies don't always publicize all their discounts very well, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you don't get every credit available, you're just leaving money on the table.

  • Homeowners Pay Less - Owning a house in Macon can save you money because owning a home is proof that your finances are in order.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Passive Restraint Discount - Factory air bags can receive discounts of more than 20%.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • College Student - Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Bundle and Save - When you have multiple policies with the same company you will save up to 20% off your total premium.

Drivers should understand that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way.

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

More detailed Georgia car insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to report car insurance fraud, download brochures, find out industry alerts, and file complaints about an insurance agent or broker.

Other useful links include this page for Georgia car insurance and this page for help finding agents in Macon, GA.

In the end, you save

Budget-conscious car insurance can be found both online as well as from independent agents in Macon, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, do not reduce needed coverages to save money. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford.