6 Ways You Can Buy Car Insurance for Less in Mt Airy

If price shopping car insurance online is new to you, it's easy to be confused by the large number of car insurance companies offering coverage in Mt Airy.

These six discounts can lower your rates

Auto insurance companies don't list every discount very well, so we researched both the well known as well as the least known ways to save on car insurance.

  • Federal Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Good Student - This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Forgiveness - Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with better rates on cars that stay parked.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, car insurance companies aren't that generous.

To choose insurance companies who offer car insurance discounts in Georgia, click this link.

Are you falling for claims of savings?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all make the same claim about savings after switching your coverage to them. But how can every company claim to save you money?

All companies have a certain "appetite" for the type of customer that makes them money. For instance, a driver they prefer might be between 30 and 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters receives the best rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will be quoted higher premiums which leads to the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That is how companies can truthfully state the savings. This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which company will have the lowest rates.

Different people need different coverages

When buying the best car insurance coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's needs are different.

For instance, these questions may help highlight whether you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my vehicle covered for flood damage?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to download brochures, file complaints about a company, and learn about insurance regulations.

Other informative sites include this site for car insurance rates in Georgia and this list of insurance agents in Mt Airy.

Georgia car insurance

Final considerations

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, denial of a claim or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

We just covered some good ideas how to save on car insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company.

Cheap car insurance can be sourced both online as well as from independent agents in Mt Airy, so compare prices from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and these small, regional companies work with independent agents.