Tightwads Guide to Saving on Mcdonough Auto Insurance

Nobody enjoys paying for auto insurance, in particular when they are paying too much.

With consumers having so many online and local companies to choose from, it's nearly impossible to pick the cheapest car insurance company.

It's important to price shop coverage periodically because insurance rates are constantly changing. Just because you found the best deal on your last policy the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you're about to learn the only way to lower your annual insurance bill.

Don't pay full price with these discounts

Car insurance companies don't necessarily list all their discounts very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Good Student - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Driver's Ed - Have your child complete a driver education course if it's offered in school.
  • Drive Less and Save - Fewer annual miles can qualify you for better rates on cars that stay parked.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it just doesn't work that way.

To see a list of companies who offer auto insurance discounts in Georgia, click this link.

Mcdonough Auto Insurance Comparisons

There are multiple methods to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in Mcdonough, or you could use online quoting for quick rates.

Many insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you cannot specify which carriers you want pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in Georgia. Click to view list.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples quote information on every quote you get. If you use mixed coverages then you won't be able to determine which rate is truly the best in Mcdonough. Having just a slight variation in limits may result in large price differences. Keep in mind that comparing more company's prices gives you a better chance of getting the best offered rates.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

The following are some of the factors that factor into rates.

  • Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Traffic violations increase rates - Just one speeding ticket may increase your cost forty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Higher safety ratings means cheaper insurance - Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
  • Lower rates with optional equipment - Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my cargo covered for damage or theft?
  • Is rental equipment covered for theft or damage?
  • Is my vehicle covered for flood damage?

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to make the same claim that you can save after switching your policy. But how can every company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that is profitable for them. An example of a desirable insured could possibly be between 25 and 40, a clean driving record, and has great credit. A driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the savings. Because of the profiling, drivers must get as many comparisons as possible. It is impossible to predict which company will fit your personal profile best.

Affordable insurance is out there

Affordable auto insurance can be sourced online in addition to many Mcdonough insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

In this article, we presented some good ideas how to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the most savings is with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .

Georgia auto insurance

Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can learn about insurance regulations, file complaints about a company, find disaster information, and view a list of available companies.

Additional helpful sites include this site for Georgia auto insurance information and see this list of insurance agents in Mcdonough.