Best Way to Find Cheap Statenville Car Insurance

Buying the most affordable Statenville car insurance online can be impossible for consumers not familiar with comparison shopping online. With so many choices of online companies available, how can consumers even start to compare every company to locate the cheapest available price?

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about before they will apply.

Defensive Driver - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Auto/Home Discount - When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Student in College - Youth drivers living away from home attending college and do not have a car can receive lower rates.
Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

It's important to note that some credits don't apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down the amount you have to pay.

To see a list of insurers offering car insurance discounts in Georgia, click here.

How to Get Cheap Car Insurance in Statenville, GA

The are a couple different ways of comparing rates from local Statenville car insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The best way to get quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote to each individual car insurance company. A single, simple form compares rates . Recommended for those who want to invest the least amount of time.
A slightly less efficient method to shop for car insurance online is going to the website for every company you want to comare and complete a new quote form. For example, let's assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Statenville, click here.

Whichever method you choose, make sure you use identical coverage limits and deductibles on every quote. If you compare different liability limits it's not possible to make a fair comparison in Statenville. Slightly different limits can make a big difference in price. And when comparing car insurance rates, know that quoting more helps locate the best rates.

What determines how much you pay?

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

Add-on coverages can add up - There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don't need them eliminate them to save money.
Rural vs Urban Areas - Residing in less populated areas is a positive aspect when talking about car insurance. Urban drivers have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and a lower car theft rate.
One company can mean more discounts - Most insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to compare rates to make sure you are getting the best deal.
Mature drivers pay less - Youthful drivers in Georgia are statistically proven to get distracted easily when driving so they pay higher car insurance rates. Adding a teenage driver to your policy can be quite pricey. More mature drivers are more responsible, file fewer claims and are safer drivers.
Bad driving skills means higher rates - Good drivers have lower premiums than bad drivers. Even a single speeding ticket can increase rates by as much as thirty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Insurance agents can help

When choosing coverage for your personal vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation may require specific advice.

Should I rate my vehicle as pleasure use or commute?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Georgia?
Why does it cost so much to insure a teen driver in Statenville?
Should I file a claim if it's only slightly more than my deductible?
Can I rate high risk drivers on liability-only vehicles?
Do I really need UM/UIM coverage?

If you can't answer these questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, complete this form.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you can save if you switch to them. How does each company claim to save you money?

All the different companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. Any driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can advertise the way they do.

This illustrates why drivers must get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

Lower-priced car insurance can be found both online and with local Statenville insurance agents, and you should be comparing both to get a complete price analysis. Some car 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 go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the least-expected company.

Learn more about car insurance in Georgia

More information can be read on the Georgia Insurance and Safety Fire Commissioner website located here. Visitors are able to discover disciplinary actions, view agent and company licensing information, and read consumer alerts.