How to Know You’re Paying Too Much for Auto Insurance in Hinesville, GA

If you’ve never shopped for auto insurance online, it’s easy to get confused because of the huge number of online auto insurance companies and websites offering insurance in Hinesville.

Auto Insurance Prices in Hinesville

Most companies like Allstate, GEICO and Progressive give prices directly from their websites. The process doesn’t take much effort as you just type in your coverage information as requested by the quote form. Once you submit the form, the system orders information on your driving record and credit history and quotes a price based on these factors.

Being able to quote online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find lower prices.

The preferred way to lower your rates uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier to do. As soon as you send your information, it gets priced and you can choose any or none of the quotes that you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly compare pricing, click here and complete the simple form. If you have a policy now, it’s recommended you replicate identical to your current policy. This ensures you will receive a rate comparison for exact coverage.

Take discounts and save

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Some trigger automatically when you get a quote, but a few need to be specially asked for prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will reduce your premiums.

To choose providers with the best auto insurance discounts in Hinesville, click here.

Lower the Price of Insurance with These Tips

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into your quote Hinesville Georgia

  • Marriage brings a discount – Having a wife or husband can get you a discount on your auto insurance policy. It is viewed as being more responsible and it’s proven that drivers who are married are more cautious.
  • Bundling policies can get discounts – Some companies will award you with lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to compare rates to confirm you are receiving the best rates possible.
  • Your location affects your rates – Living in small towns and rural areas can save you money when insuring your vehicles. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Urban drivers regularly have traffic congestion and longer commute times. Higher commute times can result in more accidents.
  • Do you need the policy add-ons? – There are many additional coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies in Georgia give cheaper rates to insureds who do not file claims often. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Your local neighborhood insurance agent

Certain consumers prefer to buy from a licensed agent and there is nothing wrong with that. Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is you can get lower rates and still choose a local agent. And supporting local agencies is important particularly in Hinesville.

By using this short form, the quote information is immediately sent to local insurance agents who will compete for your insurance coverage. You never need to drive around due to the fact that quote results will go directly to your email. How’s that for easy!

Captive and independent Hinesville car insurance agents

When researching a reliable agent, there are a couple of different types of agents from which to choose. Agents are either captive or independent. While both can write coverage properly, but it’s important to know how they are different since it can impact your agent selection.

Independent Agencies or Brokers

These agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and that require little work on your part.

When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency for the best price selection. Many write coverage with smaller regional carriers who may have lower rates.

Listed below are Hinesville independent agents that can give you competitive price quotes.

  • Barlow Insurance – 552 W Oglethorpe Hwy # 110 – Hinesville, GA 31313 – (912) 877-2260
  • Lin Insurance – – Hinesville, GA 31313 – (912) 369-0768
Captive Insurance Agents

This type of agents work for only one company such as State Farm or Allstate. They generally cannot place coverage with different providers so they have no alternatives for high prices. They are trained well on the products they sell and that can be a competitive advantage. Some people will only buy insurance from these agents primarily because of loyalty to the company and solid financial strength.

Below are captive insurance agencies in Hinesville that can give you comparison quotes.

  • Farm Bureau Insurance – 562 Elma G Miles Pkwy – Hinesville, GA 31313 – (912) 368-3370
  • Allstate Insurance – 556 W Oglethorpe Hwy – Hinesville, GA 31313 – (912) 368-0432
  • State Farm Insurance – 101 W Oglethorpe Hwy – Hinesville, GA 31313 – (912) 368-0073

For a complete listing of Hinesville captive agents, visit this link.

Picking an auto insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:

  • Can they provide you with a list of referrals?
  • What are the financial ratings for the companies they represent?
  • Who is covered by the car insurance policy?
  • Are claims handled at the agent’s location?
  • How much will you save each year by using a higher deductible?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What insurance companies do they recommend if they are an independent agent?
  • Does the agency have a good rating with the Better Business Bureau?

Once you have answers to your satisfaction to these questions and an acceptable price quote, you have narrowed it down to an insurance agency that can provide auto insurance coverage.

insurance quote Hinesville Georgia

Additional auto insurance information is available on the Georgia Insurance and Safety Fire Commissioner website through this link. Georgia consumers can find out which companies have the most complaints, view a list of available companies, find out industry alerts, and read industry bulletins.

Other informative sites include and this link where you can get more info about Hinesville coverage.

Quote often and quote early

Drivers who switch companies do it for many reasons like poor customer service, questionable increases in premium, extreme rates for teen drivers or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Discount auto insurance is attainable from both online companies in addition to many Hinesville insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just learned some good ideas how to save on auto insurance. The key concept to understand is the more you quote, the better your comparison will be. You may even discover the lowest rates come from a small local company.