Easy Ways to Spend Less on Toccoa Car Insurance

Price shopping your Toccoa car insurance is a challenge for consumers new to buying insurance online. You have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price in Toccoa.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some must be asked about before you will receive the discount. If you're not getting every credit available, you are throwing money away.

  • No Claims - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • Safety Course Discount - Successfully completing a driver safety course could save 5% or more if you qualify.
  • New Car Discount - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Passive Restraints - Cars that have air bags may earn rate discounts of 20% or more.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings if you change your policy.

How does each company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the right customer that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" will get the preferred rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher premiums and this can result in business going elsewhere. The ads state "customers who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully advertise the way they do.

This emphasizes why you should compare many company's rates. Because you never know the company that will provide you with the cheapest rates.

More Georgia car insurance information

Additional information is available on the Georgia Insurance and Safety Fire Commissioner website found here. Consumers can read industry bulletins, view a list of available companies, and discover disciplinary actions.

compare Toccoa car insurance rates

A tidy conclusion

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

Cheaper car insurance is attainable from both online companies in addition to many Toccoa insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

We just showed you a lot of techniques to reduce car insurance prices online. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from some of the smallest insurance companies.