Things You Must Know Before Shopping for Albany Georgia Car Insurance Online

Price shopping your Albany car insurance is challenging for people who are new to comparing rates online. You have so many companies to choose from that it can easily become a ton of work to find the best price in Albany.

It’s smart to get comparison quotes every six months since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates a year ago other companies may now be cheaper. So block out anything you think you know about car insurance because I’m going to teach you the best methods to remove unneeded coverages and save money.

Fast and Easy Albany Car Insurance Quotes

Getting better car insurance pricing isn’t really that difficult. Consumers just need to take a few minutes comparing price quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

  • The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do boring form submissions for each company you want a rate for. A single form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  • A less efficient way to find lower rates requires you to visit the website of each company to request a price quote. For examples sake, we’ll pretend you want to compare rates from Farmers, Esurance and Progressive. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in Albany, click here.

  • The least recommended way to get comparison rates is driving to different Albany agent offices. The internet can eliminate the need for a local agent unless you require the personal advice that only a license agent can provide. You can, however, find lower rates online but still have the advice of a local agent.

It’s up to you which method you use, but compare apples-to-apples quote information with each company. If your comparisons have mixed coverages you can’t possibly determine the best price in Albany.

More discounts equal less premium

Car insurance companies do not advertise all available discounts in an easy-to-find place, so we break down some of the more common and the more hidden car insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Drive Less and Save – Keeping the miles down can earn a substantially lower rate.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings up to 30%.
  • Organization Discounts – Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better car insurance rates.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurance companies with discount car insurance rates in Albany, follow this link.

Neighborhood insurance agents

Some people would prefer to buy from a licensed agent. Licensed agents are trained to spot inefficiencies and give you someone to call. The best thing about price shopping on the web is you may find lower rates and still choose a local agent.Auto insurance in Albany Georgia

For easy comparison, once you complete this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Albany who will compete for your business. You never need to drive around as quotes are delivered to your email. It doesn’t get any easier!

Choosing a company requires more thought than just a low price. Any agent should be forthright in answering these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • What are the financial ratings for the companies they represent?
  • Is the agency involved in supporting local community causes?
  • How long has their agency been in business in Albany?
  • Do they review policy coverages at every renewal?
  • Can they give you a list of client referrals?

If you want to view licensed agents in Albany, visit this site.

After receiving good answers and an affordable coverage quote, it’s possible that you found an insurance company that will insure your vehicles.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might point out if your situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in Georgia?
  • I don’t drive much so do I pay less?
  • Is Georgia a no-fault state?
  • Does my personal policy cover me when driving my company car?
  • Do no-fault laws apply in Georgia?
  • Is business equipment covered while in my vehicle?
  • Do I need rental car coverage?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Factors that affect insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine prices.

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  • Teen drivers pay high rates – Mature drivers are more responsible, file fewer claims and get fewer tickets. Young drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Bundling policies can get discounts – Most car insurance companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying car insurance from a different company.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies in Georgia give lower rates to people who file claims infrequently. Auto insurance is intended for the large, substantial claims.
  • Type of vehicle determines base rates – The type of car you are buying insurance for makes a substantial difference in determining your rates. Small economy passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both have accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Extra coverages can waste money – There are quite a few extra coverages that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.

Do the work, save more money

Insureds change insurance companies for many reasons like policy non-renewal, high prices, unfair underwriting practices or even delays in responding to claim requests. Regardless of your reason, finding a new car insurance company can be pretty painless.

Budget-conscious car insurance can be purchased both online in addition to many Albany insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More tips and info about car insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can discover disciplinary actions, read state legal mandates and laws, and view agent and company licensing information.