Find the Secrets to Paying Less for Macon Georgia Car Insurance

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say many Macon consumers feel financially strained by their car insurance policy. Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the cheapest price

It’s important to compare rates every six months since rates trend upward over time. Just because you found the lowest rates last year you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Compare the Market for Car Insurance in Macon, Georgia

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in Macon, or you could save time and use online quoting for quick rates.

Many companies participate in an industry program that allows shoppers to send in one quote, and at least one company can give them a price determined by their information. This eliminates the need for form submissions to every company.

To compare rates using this form now click to open in new window.

The single downside to doing it this way is you can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers for rate comparison, we have a listing of the cheapest car insurance companies in Georgia. Click here for list of insurance companies in Georgia.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage information for every quote you compare. If you have different deductibles it will be very difficult to determine which rate is truly the best in Macon.

Are you getting all your discounts?

Companies do not advertise every available discount very well, so we researched some of the more common and the harder-to-find ways to save on car insurance. If you don’t get every credit possible, you are throwing money away.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Senior Discount – Mature drivers may qualify for a discount up to 10%.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies with the best car insurance discounts in Macon, follow this link.

Lower your Macon Car Insurance Rates

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big quote Macon

  • Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims could be collision with another vehicle, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The higher the amount you have to pay, the less your car insurance will be.
  • Lower miles equals lower premium – The more miles you rack up on your car each year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy shows how each vehicle is driven.
  • How your age affects price – Youthful drivers in Georgia are statistically proven to be more careless behind the wheel so car insurance rates are higher. Adding a young driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Better credit means lower rates – Having a bad credit score is a large factor in calculating your car insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores. If your credit rating is low, you could potentially save money when insuring your by repairing your credit.

Comparing rates from local agents

Some people would prefer to get advice from a local agent. Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is you can get lower rates but still work with a licensed agent.

By using this simple form, your insurance coverage information is transmitted to local insurance agents in Macon who will give you bids for your coverage. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox. How’s that for easy!

Selecting an provider shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they feel the quoted coverages are adequate?
  • Are you getting all the discounts the company offers?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How much will you save each year by using a higher deductible?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the agency have a good rating with the Better Business Bureau?

Best auto insurance agent in Macon

When researching local Macon agents, there are two types of agencies to choose from. Agencies in Macon are classified as either independent (non-captive) or captive. While both can do a good job, but it’s worth mentioning how they are different since it may influence the type of agent you choose

Agency Captives

Captive agents have only one company to place business with and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so keep that in mind. Captives are well schooled on their products and sales techniques and that can be a competitive advantage.

Below is a list of captive agencies in Macon that can give you price quotes.

Georgia Farm Bureau Ins Co – 1620 Bass Rd – Macon, GA 31210 – (478) 474-8411
State Farm Insurance – 1062 Gray Hwy – Macon, GA 31211 – (478) 741-3638
Allstate Insurance – 1755 Shurling Dr – Macon, GA 31211 – (478) 741-9987

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include at least one independent agent to have the most options to choose from.

Shown below is a short list of independent agents in Macon willing to provide rate quotes.

Reinsurance Solutions Intl – 3920 Arkwright Rd – Macon, GA 31210 – (478) 471-4299
Cleve Rogers Agency – 4357 Forsyth Rd # 230b – Macon, GA 31210 – (478) 471-8344
C K Insurance – – Macon, GA 31210 – (478) 471-8378
Long Agency – 3333 Northside Dr # C – Macon, GA 31210 – (478) 474-1877
Direct General Ins Agency – 630 Shurling Dr – Macon, GA 31211 – (478) 746-7960

Macon GA insurance ad

For a complete listing of licensed insurance agents in Macon, please click here.

Upon receiving positive feedback for all questions you ask and a low price estimate, you’ve probably found an auto insurance agent that will service your policy.

It’s not one size fits all

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover if your situation might need professional guidance.

  • What discounts do I qualify for?
  • Do I have coverage when making deliveries for my home business?
  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company denied a claim?
  • Can I still get insurance after a DUI?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, read state legal mandates and laws, and get help finding coverage.

And the best car insurance company is…

We just presented quite a bit of information on how to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Discount car insurance is definitely available on the web and also from your neighborhood Macon agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate.