Getting the Cheapest Valdosta Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out.

Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.

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

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to better auto insurance rates.

Special features that cut premiums - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Protect yourself with liability coverage - Liability coverage provides coverage when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
Your spouse saves you money - Being married can get you a discount when buying auto insurance. Having a significant other usually means you are more mature and responsible and it's statistically proven that being married results in fewer claims.
You might want pay the small claims yourself - Companies in Georgia provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
Higher safety ratings means cheaper insurance - Safer cars are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Women pay lower rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents at about the same rate, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
Low Mileage Discounts - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
No Charge for an Accident - A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

It's important to understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

To choose insurance companies who offer auto insurance discounts in Valdosta, follow this link.

Save $429 a year? Really?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing of big savings after switching your policy. How can each company make almost identical claims?

Different companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently state the savings.

This emphasizes why you should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Additional auto insurance information is available on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Georgia consumers can view a list of available companies, find out which companies have the most complaints, get help finding coverage, and download brochures.

Affordable insurance is out there

Low-cost auto insurance can be sourced online in addition to many Valdosta insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and these smaller companies work with independent agents.

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.