Free Guide to Spending Less for Warner Robins Georgia Auto Insurance Online

Are you tired of not being able to afford to insure your vehicles every month? You are in the same boat as most other car owners in Georgia. There is such a variety of insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest cost provider.

Buying the cheapest auto insurance coverage in Warner Robins is simple if you know the tricks. If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Georgia vehicle owners just need to learn the most effective way to shop online.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before being credited. If you don’t get every credit possible, you are throwing money away.

  • No Charge for an Accident – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Save over 55 – Older drivers may receive better auto insurance rates.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

Drivers should understand that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck. But any discount will cut the cost of coverage.

To see a list of companies who offer auto insurance discounts in Warner Robins, click here.

Learn How to Lower your Rates

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Liability insurance protects assets – Liability insurance will protect you when you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Bad driving skills means higher rates – Whether or not you get tickets has a big impact on rates. Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one ticket may increase your cost by twenty percent. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Policy add-ons can waste money – There are a lot of additional coverages that can waste your money on your auto insurance policy. Things like roadside assistance, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.

What coverages do I need?

When choosing coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • What can I do if my company denied a claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Exactly who is provided coverage by my policy?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Local Warner Robins agents and auto insurance

Certain consumers would rather talk to a local agent and that is OK! Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates but also keep your business local. And supporting local agencies is important particularly in Warner Robins.

Once you complete this form (opens in new window), the coverage information is transmitted to local insurance agents who will compete to get your business. You never need to leave your computer as quotes are delivered to your email. Now that’s easy!

Compare rates from both independent and captive insurance agencies

When researching a good Warner Robins insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Warner Robins can either be independent (non-captive) or captive. Either one can do a good job, but it’s worth learning how they are different since it can impact your selection of an agent.Warner Robins Georgia car insurance quote

Independent Agents

Independent agencies are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, you should always contact several independent insurance agents to ensure the widest selection of prices.

Below are Warner Robins independent agencies that may be able to provide pricing information.

Paul E Lockett Agency – 2502 Watson Blvd – Warner Robins, GA 31093 – (478) 929-0266
Budget Insurance – 2308 Moody Rd – Warner Robins, GA 31088 – (478) 328-9040
Acceptance Insurance Co – 2197 Watson Blvd – Warner Robins, GA 31093 – (478) 918-0911
Direct General Ins Agency – 1506 Russell Pkwy – Warner Robins, GA 31088 – (478) 923-9304

Captive Agents

This type of agents are contracted to one company and examples are State Farm, AAA and Liberty Mutual. They generally cannot shop your coverage around so they have no alternatives for high prices. They are well schooled on their products and sales techniques which helps them compete with independent agents.

Listed below are Warner Robins captive agencies that can give you price quotes.

State Farm Insurance – 1412 Russell Pkwy # C – Warner Robins, GA 31088 – (478) 923-5579
Allstate Insurance – 1112 Russell Pkwy # A – Warner Robins, GA 31088 – (478) 922-3211

For a complete listing of Warner Robins captive agencies, simply jump to this page.

Picking an insurance agency requires more thought than just a cheap price. Ask your prospective agent these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they feel the quoted coverages are adequate?
  • Are they able to influence company decisions when a claim is filed?
  • How long have they worked with personal auto insurance coverage?

After getting satisfactory answers to these questions as well as a affordable price, it’s possible that you found an auto insurance agent that meets your needs to properly service your auto insurance policy.

Don’t be fooled by advertising claims

Georgia consumers constantly see and hear ads for car insurance savings by companies like Allstate and Progressive. They all make the same claim about savings if you change to them.

But how can every company make almost identical claims? It’s all in the numbers.

save money in Warner Robins

All the different companies have a preferred profile for the right customer they prefer to insure. For example, a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and therefore will save a lot of money.

Consumers who don’t qualify for the requirements will be charged a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save money. That is how companies can claim big savings.

That is why you absolutely need to compare many company’s rates. It’s not possible to predict which company will have the lowest rates.

Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner located here. Georgia consumers can find a variety of consumer forms, report car insurance fraud, get help finding coverage, and read state legal mandates and laws.

Other informative sites include this resource for Georgia auto insurance prices and this link which helps you find a Warner Robins agent.

The best insurance company isn’t always the cheapest

Cost effective auto insurance can be bought both online and also from your neighborhood Warner Robins agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

In this article, we covered quite a bit of information on how to shop for auto insurance online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with an unexpected company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.