Easy Tips to Spend Less on Reidsville Auto Insurance

If you've never shopped for auto insurance online, it's easy to get overwhelmed by the sheer number of auto insurance companies competing for business in Reidsville.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. This information will introduce you to how to get online quotes. Nevertheless, Georgia drivers do need to know the way companies price online insurance and use this information to your advantage.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are a few of the "ingredients" that factor into premiums.

Little extras can really add up - There are many additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like rental car reimbursement, accidental death and membership fees are some examples. They may seem good at first, but your needs may have changed so get rid of them and save.
Clean credit earns discounts - A driver's credit score is a large factor in determining your rates. If your credit history is lower than you'd like, you could save money insuring your by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
One company can mean more discounts - Most insurance companies will award you with lower prices to customers who consolidate policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible.
High crash test scores lower rates - Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

Reidsville Auto Insurance Quote Comparison

All major auto insurance companies such as 21st Century, Allstate and State Farm quote insurance quotes on their websites. Getting online rates doesn't take much effort as you just enter your coverage preferences as detailed in the form. After the form is submitted, the company's rating system will obtain your credit score and driving record and quotes a price based on these and other factors.

Online price quotes makes it a lot easier to compare rates but having to visit many different websites and type in the same information is repetitive and time-consuming. But it's very important to have as many quotes as possible if you are searching for better auto insurance pricing.

The preferred way to get multiple rate quotes uses one simple form that gets prices from more than one company. The form is fast, reduces the work, and makes quoting online a lot less work. Immediately after you send the form, it is quoted and you can choose any of the resulting price quotes. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. It takes less than 15 minutes and can result in significant savings.

To save time and find out what other companies charge, click here to open in new window and fill out the form. To compare your current rates, we recommend you input the coverages exactly as they are listed on your policy. This makes sure you will receive rate quotes for the exact same coverage.

These discounts can lower your rates

Companies don't list all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden discounts you could be receiving.

Defensive Driver - Successfully completing a course in driver safety can save you 5% or more if your company offers it.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Fewer Miles Equal More Savings - Driving fewer miles can earn a substantially lower rate.
Military Discounts - Being deployed with a military unit could mean lower rates.
No Claims - Good drivers with no accidents can save substantially when compared with accident-prone drivers.
Good Student - This discount can earn a discount of 20% or more. This discount can apply until age 25.

It's important to understand that some credits don't apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurers offering auto insurance discounts in Reidsville, click here.

Are you falling for claims of savings?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies have a common claim of big savings if you switch your policy. How do they all make almost identical claims?

Insurance companies have a certain "appetite" for the right customer that makes them money. For example, a profitable customer could possibly be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A driver that hits that "sweet spot" gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile must pay higher prices and this can result in the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. That is how insurance companies can confidently advertise the way they do. This illustrates why you need to compare many company's rates. It is impossible to predict which company will provide you with the cheapest rates.

Different people need different coverages

When buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different.

For instance, these questions might point out whether you might need an agent's assistance.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?
Are there companies who specialize in insuring high-risk drivers?
Should I have combined single limit or split liability limits?

If you can't answer these questions, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form.

More tips and info about auto insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can discover disciplinary actions, find out industry alerts, and read consumer alerts.

Do the work, save more money

Low-cost auto insurance can be found online in addition to many Reidsville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Drivers switch companies for many reasons like questionable increases in premium, policy cancellation, policy non-renewal or even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.