Woodbury Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering coverage in Woodbury.

Why some people pay less for insurance in Woodbury

Consumers need to have an understanding of the factors that go into determining 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 better auto insurance rates.

Listed below are a few of the "ingredients" companies use to determine prices.

  • Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Your credit rating is important - Having a bad credit score is a huge factor in determining your rates. If your credit history is lower than you'd like, you could save money insuring your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Consolidate policies to earn discounts - Most insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to make sure you are getting the best deal.
  • Drive less and save money - The more miles you rack up on your car each year the higher your rate. Most companies apply a rate based upon how you use the vehicle. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance policy properly reflects how each vehicle is driven.

compare Woodbury auto insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but you may find discounts that many people don't even know exist. Most are applied when you quote, but lesser-known reductions have to be manually applied before you get the savings. If you don't get every credit you qualify for, you are paying more than you should be.

  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Federal Employees - Employees or retirees of the government can earn a discount up to 10% with a few auto insurance companies.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To choose insurance companies offering auto insurance discounts in Georgia, click here.

Save $429 a year? Really?

Georgia consumers can't ignore all the ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all have a common claim about savings if you switch to them.

But how can every company make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the type of driver that makes them money. For example, a driver they prefer could possibly be over the age of 40, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's impossible to know which company will provide you with the cheapest rates.

Insurance agents can help

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Every insured's situation is different.

For example, these questions might point out whether your personal situation could use an agent's help.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Why am I required to get a high-risk car insurance policy?
  • What are Georgia no-fault laws?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Additional information can be found on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Georgia consumers can view a list of available companies, find out industry alerts, and read consumer alerts.

Other informative sites include this page for auto insurance prices in Georgia and this page of Woodbury insurance agents.

Woodbury auto insurance quote

Best coverage at the best price

Drivers switch companies for any number of reasons including unfair underwriting practices, policy cancellation, lack of trust in their agent or even delays in paying claims. No matter why you want to switch, switching auto insurance companies is easier than you think.

When shopping online for auto insurance, do not buy poor coverage just to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Cheaper auto insurance can be found online and with local Woodbury insurance agents, and you need to comparison shop both to have the best selection. Some auto insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.