Insider Tricks to Cheaper Peachtree City, GA Car Insurance

Nobody I know enjoys paying for car insurance, in particular when their premiums are through the roof. Because you have many different company options, it can be diffult for consumers to find the lowest cost car insurance company.

It’s a good habit to get comparison quotes before your policy renews because prices tend to go up over time. Even if you think you had the lowest rates six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to find better coverage at a better price.

Buying car insurance in Peachtree City is not that difficult. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Georgia drivers just need to learn the proper methods to shop their coverage around online.

Compare the Market for Car Insurance in Peachtree City, GA

There are multiple methods you can shop for car insurance and some are less time-consuming than others. You can waste hours driving to agents in Peachtree City, or you could use the web to get prices fast.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company then gives them pricing based on that information. This prevents consumers from doing form submissions for every car insurance company.

To find out what other companies charge click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which insurance companies you want to price. So if you want to select specific providers to compare rates, we have assembled a list of companies who write car insurance in Georgia. View list of Georgia insurance companies.

It doesn’t matter which method you choose, just compare identical coverages and limits for each comparison quote. If you have unequal deductibles or liability limits it’s not possible to truly determine the lowest rate in Peachtree City.

Are you getting all your discounts?

Companies don’t always advertise every available discount very well, so we took the time to find both the well known and the more hidden savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the insurance image

  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums.
  • Homeowners Discount – Owning a home in Peachtree City can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • College Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than less cautious drivers.

It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurance companies who offer car insurance discounts in Peachtree City, click here.

When might I need an agent?

When it comes to buying coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Is my vehicle covered for flood damage?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover a custom paint job?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Does my insurance cover my expensive audio equipment?
  • Does my personal policy cover me when driving my company car?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Save Money with These Tips

An important part of buying insurance is that you know the factors that go into determining car insurance rates. Understanding what controls the rates you pay enables informed choices that can help you get lower car insurance prices.

Listed below are some of the factors car insurance companies consider when setting your rates.

  • The more you drive the more you pay – The more you drive every year the more you will pay for car insurance. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy shows the correct driver usage.
  • Increase deductibles and save – The deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you’re willing to pay, the less your company will charge you for insurance.
  • Small claims can cost you – Companies in Georgia award better rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them get rid of them and save.
  • More people means more accidents – Being located in a rural area has it’s advantages when it comes to car insurance. Urban drivers have congested traffic and longer commutes to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.

Do drivers who switch really save?

Georgia drivers can’t ignore all the ads for the lowest price auto insurance by Allstate and Progressive. They all say the same thing about savings if you switch to their company.

How does each company say the same thing?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be between 25 and 40, a clean driving record, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save quite a bit of money when switching.

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Consumers who don’t measure up to the “perfect” profile will be charged a higher premium and this can result in business not being written. The ads say “customers who switch” not “everyone that quotes” save that much. That is how companies can state the savings. That is why you need to get as many comparisons as possible. Because you never know which insurance companies will have the lowest rates.

Buy online or local, you save

We’ve covered a lot of tips how to compare car insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from the smaller companies. Some small companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

Cheap car insurance is available on the web and also from your neighborhood Peachtree City agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Additional resources for Georgia consumers

More detailed Georgia car insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to find a variety of consumer forms, read industry bulletins, and download brochures.

Other useful links include and this link which helps you find a Peachtree City agent.