Top Ways to Save on Suwanee Car Insurance

Expensive car insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you're not throwing money away.

Having so many insurance companies to choose from, it's nearly impossible to pick the most affordable insurer.

It's important to do rate comparisons yearly because rates are constantly changing. Even if you got the best rates two years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the web, but I'm going to show you some great ways to save money.

How much can you save with discounts?

Companies do not list all their discounts very well, so the following is a list of some of the more common and the more hidden car insurance savings.

College Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
Accident Free - Drivers who don't have accidents pay less as compared to bad drivers.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous.

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

How to Get Cheap Car Insurance in Suwanee, GA

Effectively comparing car insurance prices is a ton of work if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Suwanee, or you can utilize the web to get the quickest rates.

Many insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company then gives them pricing for coverage. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which carriers to receive prices from. If you wish to select individual companies to compare, we put together a list of low cost car insurance companies in Georgia. Click to view list.

Whichever way you use, make sure you use apples-to-apples information on every quote you get. If you use higher or lower deductibles it will be impossible to determine which rate is truly the best in Suwanee. Just a small difference in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes provides better odds of finding the best price.

Why some people pay less for insurance in Suwanee

An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

Mature drivers pay less - Young drivers in Georgia are known to be more careless when driving so car insurance rates are higher. If you've ever had to add a teenage driver to your policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
Big city or small town - Residing in a small town can be a good thing when it comes to car insurance. City drivers have much more traffic and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
Your credit rating is important - Credit history is a large factor in determining what you pay for car insurance. If your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Multi-policy discounts can save money - Many companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal.
Do you have a high stress job? - Did you know your job can affect your rates? Jobs such as real estate brokers, architects and stock brokers tend to pay the highest rates attributed to high stress levels and long work hours. On the other hand, occupations like pilots, students and performers have the lowest average rates.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's needs are different so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing about savings after switching to them. But how can every company make the same claim?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured could be a mature driver, has no prior claims, and chooses high deductibles. A customer who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save money. This is how companies can truthfully state the savings. Because of the profiling, drivers must compare many company's rates. Because you never know which insurance companies will give you the biggest savings.

Shop smart and save

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at an affordable rate.

We just showed you many ways to compare car insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like .

Even more information can be read at the Georgia Insurance and Safety Fire Commissioner website. Consumers can read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Suwanee.