Consumer Tested Strategies to Save on Royston Car Insurance

Expensive car insurance can drain your personal savings, especially in this economy. Comparison shopping is a smart way to help make ends meet.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with advertising and consumers find it hard to sift through the bull and find the best price available.

Which Car Insurance is Cheapest in Royston, Georgia?

There are several ways to get quotes from local Royston car insurance companies. The recommended way to find the lowest rates consists of shopping online. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotes for each company. One form submission will return quotes instantly.

A more time consuming way to compare rate quotes is to take the time to go to the website for every company you want to comare and fill out their own quote form. For instance, we'll assume you want comparison quotes from , and . You would have to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Royston, click here.

Whichever way you use, ensure you are comparing exactly the same coverages and limits for every quote you compare. If you are comparing different deductibles it's not possible to determine the best price in Royston. Just a small difference in coverages can result in a big premium difference. Just remember that comparing a large number of companies will increase your chances of finding a lower rate.

How to Lower your Car Insurance Rates

It's important that you understand some of the elements that go into determining the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better car insurance rates.

Do you need those extra coverages? - There are many add-on coverages that you can get tricked into buying when buying car insurance. Insurance for roadside assistance, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
Do you know you're credit rating? - A driver's credit score is a important factor in determining what you pay for car insurance. So if your credit score is lower than you'd like, you could be paying less to insure your by improving your credit score. People with high credit scores tend to be more responsible than drivers who have poor credit.
Your car's features help determine rates - Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Rate your vehicle for proper use - The more miles you rack up on your car in a year's time the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy is rated on how each vehicle is driven.
Liability coverage protects you - Liability insurance is the protection if you are found liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Take advantage of discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.

Fewer Miles Equal More Savings - Driving fewer miles can earn lower rates on the low mileage vehicles.
Accident Waiver - A handful of insurance companies will forgive one accident without raising rates so long as you haven't had any claims for a certain period of time.
Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
Payment Discounts - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Club Memberships - Being a member of a civic or occupational organization could qualify you for a break when buying car insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

For a list of insurers offering car insurance discounts in Royston, follow this link.

Additional information can be found on the website for the Georgia Insurance and Safety Fire Commissioner located here. Visitors are able to discover disciplinary actions, learn about insurance regulations, find out industry alerts, and view a list of available companies.

The best insurance company isn't always the cheapest

Cheap car insurance is available both online as well as from independent agents in Royston, and you should be comparing both so you have a total pricing picture. Some car insurance companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just covered many ways to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like .

When shopping online for car insurance, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.