Auto Insurance in Warner Robins – 5 Ways to Cut Costs

Tired of trying to scrape together enough money to buy car insurance? Your situation is no different than the majority of other car owners in Georgia. Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute lowest rate

Consumers should take time to shop coverage around yearly due to the fact that insurance rates trend upward over time. Just because you had the best price a couple years back there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

How to Compare Warner Robins Auto Insurance Rates

Comparing auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with local insurance agents in Warner Robins, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each company provides a quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out what other companies charge click to open in new window.

The single downside to using this type of system is buyers cannot specifically choose which carriers to get quotes from. So if you want to choose from a list of companies to request quotes from, we have a listing of the cheapest auto insurance companies in Georgia. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information on every quote you get. If you use unequal deductibles or liability limits you can’t possibly determine the best price in Warner Robins.

Take advantage of discounts

Auto insurance companies don’t always publicize every available discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Drive Less and Save – Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Driver Safety – Taking a defensive driving course could save 5% or more depending on where you live.
  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.

It’s important to understand that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurance companies with the best auto insurance discounts in Warner Robins, click here.

What if I want to buy from a local Warner Robins agent?

Certain consumers would rather sit down with an agent and that is a personal choice. Good agents can help determine the best coverages and help you file claims. The best thing about comparing rates online is the fact that you can find better rates and still have an agent to talk to.

For easy comparison, once you complete this simple form, the coverage information is emailed to participating agents in Warner Robins who will battle for your coverage. You never need to leave your house as quotes are delivered to your email.

Selecting an provider requires more thought than just the premium amount. Agents should be asked these questions:

  • Can they provide you with a list of referrals?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • If you have an accident, will your rates go up?
  • Can glass repairs be made at your home?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

To view licensed agents in Warner Robins, go to this page.

Upon getting good answers to your questions as well as a affordable price, it’s possible that you found a company that is a good match to service your policy. But keep in mind consumers can terminate your policy any time you want so never feel that you’re stuck with your new company with no way to switch.

Car insurance 101

Having a good grasp of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.

Liability – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, medical services, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible. Georgia state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy higher limits.

Comprehensive auto insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, damage from a tornado or hurricane, theft and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your vehicle.

Since a lot of drivers have only the minimum liability required by law (Georgia limits are 25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Warner Robins GA insurance ad

Collision – Collision insurance will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, backing into a parked car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for dental work, hospital visits, nursing services and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More detailed Georgia auto insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find out which companies have the most complaints, read consumer alerts, report car insurance fraud, and find a variety of consumer forms.

Keep this in mind

We’ve covered quite a bit of information on how to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate.