Easy Methods to Cut Costs on Carrollton Car Insurance

Paying for high-priced car insurance can overdraw your bank account and force you to prioritize other expenses. Doing a price comparison is a great way to make sure you’re not throwing money away.

Having so many online and local companies to choose from, it is hard for the average consumer to locate the most affordable provider.

This information will familiarize you with how to get online quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Although Georgia car owners do need to understand the way insurance companies sell insurance online and use this information to your advantage.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Understanding what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” car insurance companies consider when setting rates.

  • You might want pay the small claims yourself – Auto insurance companies in Georgia give discounts to drivers who do not file claims often. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Liability insurance protects assets – The liability section of your policy is the protection if ever a court rules you are at fault for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Tickets mean higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than bad drivers. Just one speeding ticket may increase your cost by twenty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before you get the savings.Carrollton GA auto insurance

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • New Car Discount – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.

A little note about advertised discounts, some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down your premiums.

To choose providers with discount car insurance rates in Georgia, click here to view.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Who is covered by my policy?
  • Does my insurance cover a custom paint job?
  • What discounts do I qualify for?
  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered for smoke damage?
  • Can my teen driver be rated on a liability-only vehicle?
  • How do I file an SR-22 for a DUI in Georgia?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

For more Georgia car insurance information

Additional information can be read on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Georgia drivers can read enforcement actions against agents and companies, read consumer alerts, and find out which companies have the most complaints.

These articles may also be worth reading.

Georgia insurance comparisons

In Summary

We’ve covered a lot of techniques to compare car insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Cost effective car insurance is available on the web in addition to many Carrollton insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.