Car Insurance in Millen - 7 Ways to Save Money

Tired of paying out the nose each month for car insurance? Your situation is no different than many other Georgia consumers.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around once or twice a year since rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Georgia car insurance

How to Compare Car Insurance Costs in Millen

Most companies like State Farm and Allstate provide coverage price quotes on the web. Getting quotes is fairly simple as you simply enter the amount of coverage you want into the quote form. When the form is submitted, their rating system will obtain credit information and your driving record and returns pricing information based on many factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to find cheaper rates is to use a quote form that analyzes rates from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much more efficient. After sending your information, it gets priced and you can select any one of the quotes returned. If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. This ensures you will have a fair comparison for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't list every available discount very clearly, so we took the time to find some of the more common as well as the least known car insurance savings.

  • Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

To see a list of providers who offer car insurance discounts in Georgia, follow this link.

More Georgia car insurance information

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find out industry alerts, view a list of available companies, view agent and company licensing information, and read enforcement actions against agents and companies.