Free Guide to Paying Less for Unadilla Car Insurance Online

Having to pay for overpriced car insurance can take a big chunk out of your checking account and put the squeeze on your family's finances. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you should be able to save some money using this information. Finding affordable coverage in Unadilla is quite easy. Nevertheless, Georgia car owners do need to know how companies sell online and take advantage of how the system works.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Some trigger automatically when you complete an application, but some must be inquired about before they will apply.

  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Paperless Signup - A few companies will give a small break simply for signing digitally online.
  • Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings when buying car insurance.
  • Military Rewards - Having a family member in the military could be rewarded with lower premiums.
  • Discount for Swiching Early - Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Own a Home - Owning a home in Unadilla may earn you a small savings because maintaining a house requires personal responsibility.

It's important to understand that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

Is there truth in advertising?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies make the same claim of big savings if you change to them. How can each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer could be between 25 and 40, insures multiple vehicles, and has great credit. A customer who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements must pay higher rates which leads to business going elsewhere. The ads state "drivers who switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently advertise the savings.

This illustrates why you should get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.

For more Georgia car insurance information

Additional car insurance information is available on the website for the Georgia Insurance and Safety Fire Commissioner. Click here for link. Consumers can find out which companies have the most complaints, get help finding coverage, find disaster information, and read consumer alerts.

Final considerations

Low-cost car insurance can be sourced from both online companies and with local Unadilla insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.