Buy Cheap Tybee Island Car Insurance

Paying for high-priced car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Drivers have multiple to pick from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Don't pay full price with these discounts

Companies that sell car insurance don't list every discount very clearly, so we break down some of the more common and the harder-to-find ways to save on car insurance.

  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Paperwork-free - Certain companies will give a small break for buying your policy over the internet.
  • Accident Waiver - Certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, you won't be that lucky.

compare Tybee Island car insurance rates

Tybee Island Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

The following are a few of the "ingredients" car insurance companies consider when setting prices.

  • Theft deterrents lower rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Being married can save on car insurance - Having a spouse can get you a discount on your car insurance policy. Having a significant other means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Where you live can impact rates - Residing in a rural area can save you money when it comes to car insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Lower population translates into fewer accidents.
  • Women pay lower rates - Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates.
  • Liability coverage is cheap - Liability coverage is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.

The car insurance bait and switch

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all make the same claim about savings after switching to their company. How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don't measure up to these standards will be quoted higher premiums which leads to business going elsewhere. The ads state "drivers who switch" not "everyone that quotes" save that much. This is how companies can truthfully make the claims of big savings. This emphasizes why drivers should get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can view a list of available companies, get help finding coverage, view agent and company licensing information, and learn about insurance regulations.

Also read more on this site for car insurance rates in Georgia and this list of insurance agents in Tybee Island, GA.

Do the work, save more money

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Tybee Island agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.