Free Guide to Spending Less for Winterville Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are lots of people in the same boat. Because you have many online and local companies to choose from, it can be challenging to find the most affordable insurance company.

The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Georgia consumers only need to know how to find the lowest price over the internet.

Why some people pay less for insurance in Winterville

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The following are some of the items companies use to determine prices.

Do you have a high stress job? - Did you know that where you work can have an impact on rates? Careers like real estate brokers, business owners and stock brokers tend to pay the highest rates because of high stress levels and lots of time spent at work. On the other hand, jobs such as actors, students and performers have the lowest average rates.
Do you know your deductibles? - Deductibles for physical damage define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you're willing to pay, the less your auto insurance will be.
Where you reside plays a part - Choosing to live in less populated areas can save you money when insuring your vehicles. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and a lower car theft rate.
Bundling policies can get discounts - Many insurers provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.
Your credit rating is important - Having a bad credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could save money insuring your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Don't get talked into coverage you don't need - There are a ton of extra coverages that can waste your money on your auto insurance policy. Things like personal injury protection, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don't need them remove them from your policy.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings. If you don't get every credit possible, you are paying more than you should be.

Accident Free - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Homeowners Discount - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will help reduce your premiums.

To choose insurance companies who offer auto insurance discounts in Georgia, click here to view.

The auto insurance bait and switch

Georgia consumers can't ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. They all make an identical promise about savings after switching to them.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that makes them money. A good example of a driver they prefer could possibly be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications will get very good rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully advertise the savings.

This emphasizes why you should get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Georgia auto insurance

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia consumers can read industry bulletins, report car insurance fraud, view agent and company licensing information, and read consumer alerts.

Other informative sites include this online resource for auto insurance quotes in Georgia and this list of insurance agents in Winterville.

And the best car insurance company is...

The cheapest auto insurance can be purchased online and with local Winterville insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer online price quotes and these small insurance companies work with independent agents.

As you prepare to switch companies, do not buy poor coverage just to save money. There are too many instances where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.