Top 8 Ways to Get Lower Rates on Car Insurance in Poulan, GA

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say you're not alone.

Drivers have multiple to buy insurance from, and although it's nice to have a selection, it can be more challenging to compare rates.

Buying car insurance in Poulan is quite easy. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, Georgia consumers do need to know the way companies market insurance on the web and apply this information to your search.

Save big with these eight discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so we took the time to find both the well known and also the lesser-known car insurance savings.

Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Discount for Life Insurance - Larger companies have a discount if you purchase life insurance from them.
Senior Citizens - Mature drivers may receive better car insurance rates.
No Accidents - Drivers with accident-free driving histories can save substantially when compared with bad drivers.
No Charge for an Accident - Certain companies allow you one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Multiple Cars - Insuring all your vehicles on the same car insurance policy can get a discount on all vehicles.
Auto/Home Discount - When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.

It's important to understand that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way.

To see a list of insurers with discount car insurance rates in Georgia, follow this link.

Compare the Market for Car Insurance in Poulan

There are several ways to get quotes from car insurance companies in your area. The best method to find the lowest rates consists of obtaining rate quotes online. This can be done in several different ways.

The best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate quotation requests for each company. Completing one form will get you price quotes from car insurance companies with the best prices.
A more time consuming way to get quotes online requires a visit to the website for every company you want to comare and fill out their own quote form. For examples sake, let's assume you want to compare rates from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Poulan, click here.
The least efficient method of getting rate comparisons is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you want the professional guidance of a licensed agent. You can, however, obtain prices from the web and still use a local agent and we'll cover that in a bit.

Whichever way you use, compare identical coverage limits for every quote you compare. If you use differing limits you can't possibly determine the best price in Poulan. Just a small difference in coverage limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes helps locate better pricing.

Car insurance ads bend the truth

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies say the same thing of big savings if you change to their company. How does each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer might be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards must pay higher prices which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much. That's the way insurance companies can confidently claim big savings. This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Shop smart and save

Low-cost car insurance is attainable both online and also from your neighborhood Poulan agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to find disaster information, discover disciplinary actions, view agent and company licensing information, and learn about insurance regulations.