How to Know You're Throwing Money Away for Auto Insurance in Pearson

Tired of not being able to afford each month for car insurance? You're in the same situation as many other Georgia drivers. With consumers having so many online and local companies to choose from, it can be challenging to locate the cheapest provider.

Don't pay full price with these discounts

Companies don't list every discount very well, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If you don't get every credit available, you are throwing money away.

No Accidents - Claim-free drivers can save substantially when compared to drivers who are more careless.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Distant Student - Any of your kids 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 - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Low Mileage Discounts - Fewer annual miles can earn better rates on cars that stay parked.

Keep in mind that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to big savings.

Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Careers like lawyers, executives and stock brokers tend to have the highest rates due to high stress and lots of time spent at work. On the other hand, jobs such as farmers, students and performers receive lower rates.
Equipment add-ons that lower auto insurance rates - Driving a car with a theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Older drivers pay less - Teen drivers in Georgia are known to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
How many coverages with the same company - Many auto insurance companies provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to compare other company rates to ensure the best deal. You may still find better rates by splitting coverages up.
Add-on coverages can add up - There are a ton of extra bells and whistles that can waste your money on your auto insurance policy. Things like personal injury protection, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good initially, but if they're wasting money remove them from your policy.
Men pay higher rates - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
High numbers of claims are not good - Companies in Georgia give discounts to drivers who are claim-free. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.

The auto insurance bait and switch

Georgia consumers get pounded daily by advertisements for the lowest price auto insurance by Progressive, Allstate and GEICO. They all make the same claim that you can save after switching to their company.

But how can every company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could possibly be a mature driver, has no tickets, and has excellent credit. A driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that much. That's why insurance companies can make those claims. This emphasizes why drivers should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

More Georgia auto insurance information

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read industry bulletins, view a list of available companies, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on this online resource for auto insurance quotes in Georgia and this list of insurance agents in Pearson.

Best coverage at the best price

While you're price shopping online, do not skimp on coverage in order to save money. There are too many instances where an insured dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

Affordable auto insurance can be bought online and also from your neighborhood Pearson agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.