Best Way to Find Low-Cost Sandersville Auto Insurance

Searching for the most affordable Sandersville auto insurance on the web can seem to be rather challenging for consumers new to buying insurance online. When there are so many online companies, how can consumers possibly compare the different rates to find the lowest rates?

Buying car insurance in Sandersville is quite easy. Basically, anyone who has to buy auto insurance will be able to save money. Nevertheless, Georgia consumers do need to know how insurance companies market on the web and apply this information to your search.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to big savings.

  • Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • High deductibles save money - Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The higher the amount you're willing to pay, the bigger discount you will receive.
  • More claims means more premium - If you are a frequent claim filer, you can expect higher rates. Companies in Georgia give discounts to policyholders who file claims infrequently. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • More than one policy can earn a discount - The majority of auto insurance companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to make sure you are getting the best deal.
  • Men fork out a little more - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are better drivers. They both tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Better credit means lower rates - Having a bad credit rating is a big factor in determining what you pay for auto insurance. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. So if your credit score can use some improvement, you could save money insuring your by improving your rating.

compare Sandersville auto insurance rates

Save big with these discounts

Companies don't always list every discount very well, so we took the time to find both the well known and also the lesser-known ways to save on auto insurance.

  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Accident Waiver - Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints - Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Military Rewards - Having a family member in the military can result in better rates.

It's important to understand that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose insurance companies with the best auto insurance discounts in Georgia, click this link.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim of big savings if you move to them. But how can every company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer might be over the age of 50, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher prices which leads to the customer not buying. The ads state "customers who switch" not "people who quote" save money. This is how insurance companies can confidently advertise the savings. This emphasizes why you should get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

For more Georgia auto insurance information

More tips and info about auto insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to view a list of available companies, report car insurance fraud, and download brochures.

Other informative sites include this site for auto insurance rates in Georgia and this list of insurance agents in Sandersville, GA.

Affordable insurance is out there

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy cancellation. Whatever your reason, finding a new auto insurance company is easier than you think.

Low-cost auto insurance is definitely available both online and with local Sandersville insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, do not buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.