Consumer Tested Strategies to Save on Port Wentworth Auto Insurance

Overpriced auto insurance can drain your bank account and force you to prioritize other expenses. Shopping your coverage around is a great way to cut your insurance bill.

Companies like GEICO and Progressive increase brand awareness with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

These discounts can lower your rates

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Most are applied at the time of purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
Own a Home - Owning a home in Port Wentworth can save you money because of the fact that having a home is proof that your finances are in order.
Seat Belt Usage - Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
No Claims - Drivers who don't have accidents can save substantially when compared with bad drivers.
Memberships - Participating in a civic or occupational organization may earn a discount when buying auto insurance.

Keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way. But any discount will reduce the cost of coverage.

To see a list of insurers with the best auto insurance discounts in Port Wentworth, click here.

How to Lower Your Auto Insurance Cost in Port Wentworth, Georgia

Most companies allow you to get coverage price quotes online. This process doesn't take a lot of time as you just enter the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain your credit score and driving record and generates a price. Online quotes makes it a lot easier to compare rates but the time required to go to different websites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

The preferred way to find lower prices uses one form to get prices from multiple companies. The form is fast, reduces the work, and makes rate comparisons much simpler. Immediately after you send the form, it is rated and you are able to buy your choice of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit the form. To compare your current rates, we recommend you replicate your coverages as shown on your current policy. This makes sure you will have a price comparison based on the exact same insurance coverage.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that could result in lower auto insurance prices.

The list below includes a few of the "ingredients" that factor into premiums.

Do you have enough liability coverage? - The liability section of your policy is the protection if a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
High deductibles save money - The deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Never let your coverage lapse - Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.
Rates may be higher depending on your occupation - Occupations such as lawyers, social workers and dentists are shown to have the highest average rates due to high stress and lengthy work days. Other occupations such as pilots, historians and the unemployed pay the least.
Too many auto insurance claims drive up costs - Auto insurance companies in Georgia generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
Being married is a good thing - Having a spouse actually saves money on auto insurance. Having a spouse usually means you are more mature and statistics show married drivers get in fewer accidents.

Are you falling for claims of savings?

Allstate, GEICO and Progressive regularly use ads on television and other media. All the companies have a common claim that you can save if you move your policy. How can each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. For example, a profitable customer could possibly be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" receives the best rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements must pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the way they do.

This illustrates why drivers must get as many comparisons as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

Affordable insurance is out there

Affordable auto insurance is definitely available online in addition to many Port Wentworth insurance agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

More information can be found on the website for the Georgia Insurance and Safety Fire Commissioner found here. Georgia consumers can find out which companies have the most complaints, report car insurance fraud, find a variety of consumer forms, and read industry bulletins.