Tightwads Tips for Saving on Manchester Auto Insurance

Expensive auto insurance can overdraw your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. You have so many to pick from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

Tips to Get Lower Manchester Rates

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Higher deductibles cost less - Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you have to pay, the bigger discount you will receive.
  • Big city or small town - Residing in a rural area is a positive aspect when talking about auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident.
  • High credit ratings translate to low rates - A driver's credit score is a huge factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than drivers who have poor credit.
  • Drive less and save money - The more miles you rack up on your car in a year's time the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy shows how each vehicle is driven.
  • Discounts for married couples - Having a spouse can actually save you money on your auto insurance policy. Having a spouse translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.

More discounts equal less premium

Car insurance companies don't always publicize all available discounts very clearly, so we break down both the well known and the harder-to-find ways to save on auto insurance. If you're not getting every credit you deserve, you are paying more than you should be.

  • Multi-car Discount - Having more than one vehicle with the same company qualifies for this discount.
  • Auto/Home Discount - If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy over the internet.
  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill if your company offers it.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it's possible to get free car insurance, auto insurance companies aren't that generous.

To choose insurers offering auto insurance discounts in Georgia, click this link.

Switch companies and save? Really?

Consumers in Georgia can't ignore all the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make the same claim about savings if you switch your coverage to them.

How does each company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer might be between the ages of 40 and 55, has no prior claims, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who do not match these standards must pay higher premiums which leads to the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully make the claims of big savings. This illustrates why you should compare as many rates as you can. It's impossible to know which insurance companies will fit your personal profile best.

It's not one size fits all

When buying adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Every insured's situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in Georgia?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to report car insurance fraud, view agent and company licensing information, find out industry alerts, and file complaints about an insurance agent or broker.

Other informative sites include this page for Georgia auto insurance and this page for help finding agents in Manchester, GA.

Georgia auto insurance quotes

In the end, you save

Cheap auto insurance can be found both online as well as from independent agents in Manchester, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, make sure you don't buy poor coverage just to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We covered some good ideas how to save on auto insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as .