5 Ways You Can Buy Car Insurance for Less in Thomasville Georgia
Are you overwhelmed by the sheer number of car insurance choices in Thomasville? Many other drivers are as well. You have so many companies to choose from that it can turn into a real challenge to find lower rates.
It's important to check car insurance prices at least once a year since rates are constantly changing. Just because you found the lowest rates a few years ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.
Finding the cheapest protection in Thomasville is not that difficult. Basically, every driver who has to buy car insurance should be able to save money. Nevertheless, Georgia consumers do need to know how big insurance companies sell online and use this information to your advantage.
Take advantage of discounts
Car insurance can cost a lot, but there are discounts available that you may not know about. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.
- Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
- No Charge for an Accident - Some insurance companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
- Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
- Multi-policy Discount - If you have multiple policies with the same company you may save approximately 10% to 15%.
Consumers should know that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.
Are car insurance companies telling the truth?
Companies like State Farm and Allstate continually stream ads on TV and radio. All the ads make the same claim of big savings after switching to them. But how can every company claim to save you money?
All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk might be between 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.
Drivers who don't qualify for this ideal profile will be charged higher premiums which leads to the customer not buying. The ad wording is "people who switch" not "people who quote" save money. That's the way insurance companies can confidently make the claims of big savings.
That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.
Find out more about car insurance
Additional car insurance information can be found on the Georgia Insurance and Safety Fire Commissioner website through this link. Visitors are able to file complaints about a company, discover disciplinary actions, and learn about insurance regulations.
Also read more on NAIC.org's Understanding your Policy and this directory of Thomasville insurance agents.
Affordable insurance is out there
We just covered some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the best prices are with a company that doesn't do a lot of advertising.
Cost effective car insurance can be sourced both online and with local Thomasville insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
