Buy the Cheapest Oglethorpe Auto Insurance

Paying for high-priced auto insurance can overdraw your bank account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it can be hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates on a regular basis since insurance rates are constantly changing. Even if you got the best deal a few years ago there may be better deals available now. Starting now, ignore everything you know about auto insurance because it's time to teach you the proper way to reduce your cost while increasing coverage.

Georgia auto insurance quotes

Take advantage of discounts

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. Some trigger automatically when you quote, but some must be manually applied before you get the savings.

  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Accident Waiver - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in school.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • College Student - Kids in college who live away from home and do not have a car may qualify for this discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

For a list of companies offering auto insurance discounts in Oglethorpe, click here to view.

Which Auto Insurance is Cheapest in Oglethorpe, Georgia?

There are several ways to compare rate quotes from local Oglethorpe auto insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quotes for each company. One form submission compares rates instantly.

A harder way to compare rate quotes is going to the website for each individual company to complete their respective quote request forms. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your information, and that's why the first method is more popular. To view a list of companies in Oglethorpe, click here.

The least recommended way to compare rates is driving around to and from local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. However, consumers can compare online quotes and still use a local agent and we'll touch on that later.

It's up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you compare different liability limits you will not be able to determine which rate is truly the best in Oglethorpe. Quoting even small variations in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best rates.

Final considerations

When shopping online for auto insurance, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cheaper auto insurance can be found on the web and also from your neighborhood Oglethorpe agents, so you should compare both to have the best selection. Some auto insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.