Lower Online Tifton Auto Insurance Prices With These Methods

If you've never shopped for auto insurance online, you may be overwhelmed by the large number of auto insurance companies all offering big savings in Tifton.

If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. This article will familiarize you with how to get online quotes and some tips to save money. Georgia consumers only need to know the most effective way to shop their coverage around over the internet.

More discounts equal less premium

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so we break down both well-publicized as well as the least known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Clubs and Organizations - Participating in certain professional organizations could trigger savings when shopping for auto insurance.
  • Low Mileage Discounts - Fewer annual miles can earn better rates on cars that stay parked.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

compare Tifton auto insurance rates

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Georgia?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?

If it's difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Georgia consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim about savings after switching your policy.

How do they all make almost identical claims?

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a driver they prefer could possibly be a mature driver, a clean driving record, and drives newer vehicles. A driver who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will be quoted more money which leads to the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That is how companies can truthfully claim big savings. This emphasizes why you should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find disaster information, file complaints about a company, and get help finding coverage.

Georgia auto insurance

Best coverage at the best price

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, an unsatisfactory settlement offer and even questionable increases in premium. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

In this article, we presented some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with a small local company.

The cheapest auto insurance can be sourced online in addition to many Tifton insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.