Comparison Shop Thomson Car Insurance Prices With These Methods

Purchasing the most affordable Thomson car insurance on the web can seem to be impossible for beginners to comparing rates online. With so many choices of companies in the marketplace, how can you even start to compare every one to find the cheapest available price?

Finding affordable coverage in Thomson is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Nevertheless, Georgia car owners do need to know the way companies compete online and apply this information to your search.

How much can you save with discounts?

Companies offering auto insurance don't always advertise all available discounts very well, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

  • Driver Safety - Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Life Discount - Larger companies have a break if you buy auto and life insurance together.
  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them before your current expiration date. It's a savings of about 10%.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Student in College - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Accident Waiver - Some insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn better rates on cars that stay parked.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

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

car insurance in Thomson

How to Get Cheap Car Insurance in Thomson, GA

There are several ways to compare car insurance quotes, but one way is easier and takes less work. You can waste a lot of time talking to agents in Thomson, or you could save time and use online quotes for quick rates.

Many insurance companies take part in a program that allows shoppers to enter their policy data once, and each company provides a quote based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for.

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

The one downside to pricing coverage this way is you can't choose which carriers to get pricing from. If you wish to select specific insurance companies for rate comparison, we have a listing of car insurance companies in Georgia. Click to view list.

It's up to you how you get prices quotes, just make sure you use apples-to-apples coverage information with every price quote. If each company quotes unequal deductibles or liability limits it's impossible to find the best deal in Thomson. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparing car insurance rates, know that more quotes gives you a better chance of getting the best offered rates.

Why some people pay less for insurance in Thomson

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

The following are a few of the "ingredients" companies use to determine premiums.

  • Extra add-on coverages are wasting money - There are a ton of add-on coverages that you can get tricked into buying on your policy. Things like vanishing deductibles, accidental death and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don't need them remove them from your policy.
  • Where you live is a factor - Residing in less populated areas is a positive aspect when it comes to car insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents.
  • Mature drivers pay less - Young drivers in Georgia are known to get distracted easily when driving so car insurance rates are higher. Parents adding a youthful driver to your policy can be quite pricey. More mature drivers are more responsible, file fewer claims and are safer drivers.
  • What type of vehicle do you drive? - The performance of the vehicle you are insuring makes a big difference in determining your rates. The lowest rates are for lower performance four cylinder passenger models, but the cost you end up paying is determined by many additional factors.
  • How's your driving record? - Good drivers have lower premiums compared to drivers with tickets. Only having one citation can increase rates by as much as thirty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's situation is a little different.

For example, these questions can help discover if your insurance needs might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Why does it cost so much to insure a teen driver in Thomson?
  • I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

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

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies make the same claim of big savings after switching to them. But how can every company make the same claim?

All the different companies have a preferred profile for the type of driver that is profitable for them. For example, a profitable customer could be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile must pay a more expensive rate which leads to business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently advertise the way they do. This illustrates why drivers must get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest rates.

Final considerations

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

When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just showed you some good ideas how to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the lesser-known companies.

Georgia car insurance quotes

Learn more about car insurance in Georgia

More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.

Additional helpful sites include this resource for Georgia car insurance prices and this link which helps you find a Thomson agent.