Insider Advice on Saving Money on Macon Georgia Car Insurance

Buying the cheapest Macon car insurance on the web can be challenging for consumers new to buying insurance on the web. Since there are so many companies in the marketplace, how can consumers effectively compare every one to find the lowest price?

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Buying cheaper car insurance in Macon is not that difficult. But Georgia drivers must know how insurance companies sell online and use this information to your advantage.

Free Quotes for Car Insurance in Macon, Georgia

Shopping for lower car insurance rates can be challenging if you don’t understand the most efficient way. You can spend your afternoon talking to agents in Macon, or you could save time and use the web to get prices fast.

Most major companies belong to an insurance system where prospective buyers submit their information once, and at least one company can provide price quotes for coverage. This eliminates the need for quotation requests to every company.

To use this form to compare rates click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify which providers you will receive quotes from. So if you prefer to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in Georgia. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverages with each company. If you compare different deductibles it will be impossible to find the best deal in Macon. Slightly different limits can result in a big premium difference. And when comparing car insurance rates, know that getting more free quotes helps you find the best rates.

Save $420 a year? Really?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch your coverage to them. But how can every company make the same claim? This is how they do it.Auto insurance in Macon Georgia

All companies are able to cherry pick for the right customer that earns them a profit. An example of a desirable insured could be over the age of 40, is a homeowner, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make the claims of big savings. That is why you should compare many company’s rates. It’s impossible to know which car insurance company will have the lowest rates.

Understand what determines the rate you pay

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Type of vehicle determines base rates – The performance of the car you own makes a big difference in how high your rates are. Small economy passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
  • Teen drivers pay high rates – Older drivers are more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be more careless behind the wheel and because of this, their car insurance rates are much higher.
  • Clean credit earns discounts – Credit rating is a important factor in determining what you pay for car insurance. People with good credit tend to be more responsible than drivers who have lower credit scores. If your credit history can use some improvement, you could pay less to insure your by spending a little time repairing your credit.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and more competitive rates for policyholders.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and dentists are shown to have the highest average rates due to high stress and long work days. Other occupations such as scientists, historians and performers pay the least.
  • No coverage gaps is important – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.

Cut your premium with discounts

Auto insurance companies don’t list every available discount very clearly, so we researched some of the best known and the harder-to-find ways to save on car insurance.

  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It can save you around 10%.
  • College Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Homeowners Discount – Owning a house in Macon may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.

It’s important to note that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurers offering car insurance discounts in Georgia, follow this link.

What is the best insurance coverage?

When choosing proper insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • Why is insurance for a teen driver so high in Macon?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?
  • Who is covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Are rental cars covered under my policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Macon insurance ad

One last thing

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, policy cancellation, policy non-renewal and even unfair underwriting practices. Whatever your reason, finding a new car insurance company is actually quite simple.

In this article, we presented some good ideas how to get a better price on car insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest rates come from an unexpected company.

More tips and info about car insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can download brochures, read state legal mandates and laws, read enforcement actions against agents and companies, and learn about insurance regulations.