Top Ways to Save on Pitts Auto Insurance

Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers in Georgia. Consumers have many to buy insurance from, and although it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates once or twice a year because prices are constantly changing. Even if you think you had the best price six months ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

Pricing the cheapest auto insurance in Pitts is quite easy. If you have a policy now or need a new policy, you can learn to find better prices while maintaining coverages. Georgia vehicle owners just need to know the proper methods to shop for auto insurance on the web.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings. If you're not getting every credit available, you are throwing money away.

  • Senior Citizens - If you qualify as a senior citizen, you may receive better auto insurance rates.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Safety Course Discount - Successfully completing a defensive driving course could save 5% or more if you qualify.
  • College Student - Youth drivers who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • One Accident Forgiven - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Bundle and Save - If you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Pay Less - Owning a house in Pitts can save you money because maintaining a house is proof that your finances are in order.
  • No Accidents - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with select insurance companies.

Drivers should understand that some credits don't apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

Pitts auto insurance comparison

You have some control over your rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

  • Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Both sexes are in accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Special features that cut premiums - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Do you need those extra coverages? - There are quite a few extra bells and whistles that you can buy when buying auto insurance. Coverages for rental car reimbursement, towing coverage and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they're wasting money eliminate them to save money.
  • Older drivers pay less - Youthful drivers in Georgia have a tendency to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Having a spouse can save you money - Having a spouse helps lower the price on auto insurance. It means you're more mature than a single person and it's proven that drivers who are married are more cautious.
  • Your location affects your rates - Being located in small towns and rural areas can be a good thing when talking about auto insurance. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
  • Do you qualify for a multi-policy discount? - Some insurance companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.

Are you falling for claims of savings?

Consumers in Georgia get pounded daily by advertisements for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you change to their company.

How does each company claim to save you money?

Insurance companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be between 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a higher premium and this can result in the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much. That's why companies can state the savings.

Because of the profiling, drivers should compare many company's rates. It's impossible to know the company that will have the lowest rates.

More Georgia auto insurance information

Much more information about auto insurance in Georgia can be found on the website for the Georgia Insurance and Safety Fire Commissioner located here. Visitors are able to learn about insurance regulations, view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.

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Best coverage at the best price

As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Budget-conscious auto insurance is attainable both online and also from your neighborhood Pitts agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.