Top Ways to Save on Marietta Car Insurance

Expensive car insurance can take a big chunk out of your bank account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill.

Online insurance companies like GEICO and Progressive constantly bombard you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It's important to do rate comparisons yearly because rates are constantly changing. Just because you had the best deal last year a different company probably has better rates today. So just ignore everything you know about car insurance because you're going to learn the proper way to remove unneeded coverages and save money.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but some must be asked for before being credited.

  • College Student - Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Bundle and Save - If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Early Signing - Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.

Marietta car insurance comparison

Why some people pay less for insurance in Marietta

Smart consumers have a good feel for the different types of things that go into determining your car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Older drivers pay less - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers are statistically proven to be more careless when driving and because of this, their car insurance rates are much higher.
  • Big city or small town - Residing in a small town can be a good thing when it comes to car insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with much more traffic to deal with and longer commute times. More time on the road can result in more accidents.
  • Your credit rating is important - Credit score is a big factor in determining what you pay for car insurance. If your credit rating is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Small claims can cost you - If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance companies in Georgia award cheaper rates to insureds who file claims infrequently. Car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • How's your driving record? - Good drivers get better rates than bad drivers. Even one moving violation can increase rates by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to continue driving.

Different people need different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else's so your insurance should reflect that For instance, these questions can help discover whether you will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make an identical promise about savings if you switch to them. How can each company make the same claim? It's all in the numbers.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, has no prior claims, and has great credit. A customer who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher prices and ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the savings.

Because of the profiling, drivers should get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings.

Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner found here. Consumers can read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and download brochures.

Georgia car insurance quotes

Do the work, save more money

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price.

We just showed you some good ideas how you can reduce car insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a small mutual company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap car insurance is available from both online companies and with local Marietta insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.