Learn the Secrets to Cheaper Macon Georgia Auto Insurance

Overwhelmed by the sheer number of auto insurance choices in Macon? Many other drivers are as well. People have so many options available that it can be a ton of work to compare prices.

Consumers should take time to do rate comparisons periodically since insurance rates change frequently. If you had the best price last year there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because you’re about to learn the best way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Finding affordable protection in Macon can be fairly easy. But Georgia drivers do need to know the methods companies use to sell online and apply this information to your search.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t always advertise all their discounts very well, so we took the time to find some of the more common and also the lesser-known auto insurance savings.

  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Claim Free – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

To choose providers with discount auto insurance rates in Macon, click here.

You are unique and your auto insurance should be too

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need motorclub coverage?
  • Do I benefit by insuring my home with the same company?
  • Should I file a claim if it’s only slightly more than my deductible?
  • If my vehicle is totaled, can I afford another vehicle?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Aren’t my neighborhood agents an option?

Certain consumers would rather get advice from a local agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is that you can obtain the lowest rates but also keep your business local.free Macon insurance quote

Once you complete this quick form, the coverage information is submitted to participating agents in Macon who will compete for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. Now that’s easy! Get lower rates and a licensed agent to work with.

Choosing a company shouldn’t rely on just a low price. These are valid questions to ask:

  • Which members of your family are coverage by the policy?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they review policy coverages at every renewal?
  • Can they give you a list of client referrals?
  • Do they feel the quoted coverages are adequate?

The difference between Macon insurance agencies

When looking for a reliable agent, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Macon are either captive or independent.

Agency Captives

Captive agents can only write with one company such as Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so always compare other rates. Captives are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy from captive agents mainly due to the brand legacy and the convenience of having all coverages with one company.

Shown below is a short list of captive agencies in Macon willing to provide rate quotes.

  • Georgia Farm Bureau Ins Co – 1620 Bass Rd – Macon, GA 31210 – (478) 474-8411
  • State Farm Insurance – 4357 Forsyth Rd # 240 – Macon, GA 31210 – (478) 405-0166
  • Allstate Insurance – 3355 Pio Nono Ave # 7a – Macon, GA 31206 – (478) 788-5331
Independent Agents

These agents do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.

When shopping rates, you should always get quotes from at a minimum one independent agency to have the most options to choose from. Many write coverage with lesser-known insurance companies which may provide better rates.

The following is a list of independent agents in Macon who can help you get rate quotes.

  • Harley Insurance Inc – 2713 Sheraton Dr # B100 – Macon, GA 31204 – (478) 755-9875
  • Direct General Ins Agency – 3810 Bloomfield Dr – Macon, GA 31206 – (478) 784-0864
  • Southern Insurance Inc – 154 Broadway – Macon, GA 31201 – (478) 746-0169
  • Safe Drivers Auto Agency – 4290 Dellwood Dr # A – Macon, GA 31204 – (478) 757-0100
  • Long Agency – 3333 Northside Dr # C – Macon, GA 31210 – (478) 474-1877

To view a complete directory of Macon insurance agents, view this link.

Once you have received answers to your satisfaction to these questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to insure your vehicles.

save money in Georgia

For more Georgia auto insurance information

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find out which companies have the most complaints, read state legal mandates and laws, and read consumer alerts.

Also read more on this page for Georgia auto insurance and this page where you can research Macon insurance agents.

Final considerations

People who switch companies do it for a variety of reasons including high prices, unfair underwriting practices, being labeled a high risk driver and extreme rates for teen drivers. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

We just covered a lot of tips how to reduce auto insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a small local company.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced physical damage coverage only to regret at claim time that it was a big error on their part. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.