Free Guide to Cutting Costs on Wartburg Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not alone. You have so many to pick from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months because rates are constantly changing. Just because you had the best rates two years ago a different company probably has better rates today. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
Homeowners Discount - Owning a house in Wartburg can save you money because owning a home demonstrates responsibility.
Discount for Good Grades - Performing well in school can save 20 to 25%. The good student discount can last until age 25.
Bundle and Save - If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
Passive Restraints - Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.

It's important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you're out of luck.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with better car insurance rates.

Please use or commuting - The more miles you rack up on your car in a year the more you will pay for car insurance. The majority of insurers rate vehicles based on their usage. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your car insurance policy shows how each vehicle is driven.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The more expense the insured has to pay upfront, the less your car insurance will be.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records get better rates than bad drivers. Even a single speeding ticket may increase your cost forty percent or more. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state motor vehicle department in order to continue driving.
Rural vs Urban Areas - Choosing to live in a small town can be a good thing when it comes to car insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer people means reduced accidents and a lower car theft rate.
Better credit scores mean better rates - Credit score is a big factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than those with poor credit.
Better crash test results mean better rates - Safer cars get lower rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you can save if you switch your policy.

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

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be over the age of 50, has no driving citations, and chooses high deductibles. A customer that hits that "sweet spot" gets the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can state the savings. Because of the profiling, drivers should get as many quotes as possible. Because you never know which car insurance company will give you the biggest savings.

Additional detailed information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, file complaints about a company, and view agent and company licensing information.

Also read more on Auto Insurance 101 and this page where you can research Wartburg insurance agents.

In the end, you save

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. In many instances, someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best price.

Lower-priced car insurance is available from both online companies in addition to many Wartburg insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of techniques to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small mutual company. Regional companies often have lower prices on specific markets than the large multi-state companies such as .