Compare Screven Car Insurance Prices With These Techniques

Are you intimidated by the wide range of car insurance company choices in Screven? You're not alone. You have so many options that it can turn into more work than you anticipated to find lower rates.

Are you getting all your discounts?

Car insurance companies don't always advertise all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings.

Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Auto/Home Discount - When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
Early Switch Discount - Some companies give discounts for switching to them before your current expiration date. It's a savings of about 10%.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.

To see a list of insurers who offer car insurance discounts in Georgia, follow this link.

How to Compare Car Insurance Quotes in Screven, Georgia

Most companies like 21st Century, Allstate and State Farm provide prices for coverage on the web. The process is fairly straightforward as you just enter the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain your driving and credit reports and returns pricing information.

This makes comparing rates easy, but the time it takes to visit different websites and fill out multiple forms is repetitive and time-consuming. But it's very important to compare as many rates as possible if you want to find the best price on car insurance.

The preferred way to lower your rates utilizes a single form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. Once the form is submitted, it gets priced and you can select any one of the price quotes you receive. If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

If you want to find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This makes sure you will receive a price comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

The following are some of the items companies use to determine premiums.

Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.
Do you know your deductibles? - Your deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more expense you're willing to pay, the less your car insurance will be.
Where you live can impact rates - Choosing to live in less populated areas is a positive aspect when it comes to car insurance. City drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents and a lower car theft rate.
Performance makes a difference - The performance level of the vehicle you are insuring makes a big difference in how high your rates are. The lowest base rates are generally reserved for low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
Equipment add-ons that lower car insurance rates - Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Mature drivers pay less - Young drivers in Georgia are known to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, file fewer claims and get fewer tickets.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies say the same thing about savings after switching to them. How does each company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a profitable customer could be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save money. That's the way companies can truthfully state the savings. This illustrates why drivers must get as many comparisons as possible. Because you never know which car insurance company will have the lowest rates.

Affordable insurance is out there

Cheaper car insurance can be purchased from both online companies and with local Screven insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

We just showed you a lot of tips how to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even find the lowest rates come from a small mutual company.

Learn more about Georgia car insurance

Even more information can be read at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find disaster information, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include this resource for Georgia car insurance prices and this page of Screven insurance agents.