Quote Tiger Auto Insurance Prices With These Techniques

Cutting costs on Tiger auto insurance is nearly impossible for people who are new to buying insurance online. You have so many choices that it can turn into a ton of work to find lower rates in Tiger.

It's important to check auto insurance prices before your policy renews because prices are constantly changing. If you had the best rates a few years ago you may be paying too much now. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to slash your auto insurance rates.

Finding affordable coverage in Tiger is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Georgia drivers only need an understanding of the most effective way to compare prices online.

Cheap Tiger Auto Insurance Comparisons

There are several ways you can shop for auto insurance and some are easier and takes less work. You could spend your day talking about coverages with insurance agencies in Tiger, or you could save time and use online quotes for quick rates.

All the larger companies participate in an industry program that allows shoppers to complete one form, and each company then gives them pricing for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify which companies to receive prices from. So if you prefer to pick from a list of companies to compare rates, we have a listing of auto insurance companies in Georgia. View list of Georgia insurance companies.

However you get your quotes, ensure you're using apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote it's not possible to determine which rate is truly the best in Tiger.

Tiger auto insurance comparison

What determines how much you pay?

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the items companies use to determine rates.

  • Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are better drivers. Both sexes have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Rates may be lower depending on your job - Jobs such as real estate brokers, social workers and stock brokers tend to pay the highest rates because of job stress and long work days. On the other hand, occupations like farmers, students and the unemployed have the lowest average rates.
  • Higher safety ratings means cheaper insurance - Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one ticket can increase rates twenty percent or more. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be a windshield shattered by a rock, damage from fire, or theft. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense you're willing to pay, the less your company will charge you for insurance.
  • More people means more accidents - Being located in small towns and rural areas can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.
  • Older drivers save more - Teen drivers in Georgia tend to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Consolidate policies to earn discounts - The majority of insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. Consumers may find better rates by buying auto insurance from a different company.

How much can you save with discounts?

Companies that sell car insurance don't list all their discounts very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you don't get every credit available, you're just leaving money on the table.

  • Save over 55 - Older drivers can possibly qualify for reduced rates.
  • Accident Free - Claim-free drivers pay less as compared to frequent claim filers.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Good Students Pay Less - Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Homeowners Pay Less - Owning a house in Tiger can save you money because of the fact that having a home demonstrates responsibility.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

It's important to understand that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way.

For a list of companies with the best auto insurance discounts in Georgia, click here.

More tips and info about auto insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can learn about insurance regulations, read industry bulletins, and find disaster information.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Tiger.

And the best car insurance company is...

When shopping online for auto insurance, don't be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at a price you can afford.

Drivers who switch companies do it for a number of reasons such as denial of a claim, high rates after DUI convictions, unfair underwriting practices and poor customer service. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

You just read a lot of techniques to lower your auto insurance rates. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with the least-expected company.