Newnan Auto Insurance For Less Than You're Paying Now

Shopping for the most affordable Newnan auto insurance on the internet can seem to be challenging for consumers new to buying insurance online. With dozens of online companies, how can you even start to compare the different rates to find the cheapest available price?

The purpose of this post is to teach you the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Nevertheless, Georgia vehicle owners do need to know how companies sell online.

Where Can I Get Cheap Newnan Auto Insurance?

There are several ways to compare auto insurance quotes, but one way is more efficient than others. You could spend your day talking about coverages with insurance companies in Newnan, or you could use the web for quick rates.

All the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company provides a quote based on the submitted data. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is you cannot specify which companies to get pricing from. If you wish to select specific insurance companies to compare rates, we have a listing of companies who write auto insurance in Georgia. Click here to view list.

It doesn't matter which method you choose, just make sure you use apples-to-apples quote information on every quote. If each company quotes mixed coverages you can't possibly make a fair comparison in Newnan. Just a small difference in coverage limits can make a big difference in price. And when comparing auto insurance rates, know that quoting more gives you a better chance of getting a better price.

auto insurance in Newnan

What determines how much you pay?

It's important that you understand some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

Shown below are some of the items companies use to determine premiums.

  • Do you need those extra coverages? - There are quite a few add-on coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and motor club memberships are examples of these. They may seem good initially, but if you don't need them remove them from your policy.
  • Please use or commuting - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Most companies price each vehicle's coverage determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Higher deductibles cost less - Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more expense you're willing to pay, the bigger discount you will receive.
  • Better credit means lower rates - A driver's credit score is a big factor in determining what you pay for auto insurance. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit is low, you could be paying less to insure your by improving your rating.
  • Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some trigger automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

  • Safety Course Discount - Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Discount for Life Insurance - Larger companies have a break if you buy auto and life insurance together.
  • Own a Home - Owning a home in Newnan may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Discount for Swiching Early - Some companies give discounts for signing up before your current policy expires. The savings is around 10%.

It's important to understand that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurers with discount auto insurance rates in Georgia, follow this link.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's.

For example, these questions can help discover whether or not you would benefit from an agent's advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my car insurance cover rental cars?

If you don't know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Additional auto insurance information can be read on the Georgia Insurance and Safety Fire Commissioner website found here. Georgia drivers can discover disciplinary actions, file complaints about an insurance agent or broker, and report car insurance fraud.

Other useful links include this resource for Georgia auto insurance prices and this link which helps you find a Newnan agent.

Georgia auto insurance quotes

Affordable insurance is out there

Low-cost auto insurance can be sourced on the web and with local Newnan insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, don't be tempted to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we covered a lot of tips how to lower your auto insurance rates. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company.