Free Guide to Spending Less for Savannah Georgia Auto Insurance Online

Overpriced auto insurance can empty your checking account and force you to make sacrifices. Shopping your coverage around is a great way to tighten up your finances. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies to get the best price available.

Consumers should take time to shop coverage around once or twice a year because rates are adjusted regularly by insurance companies. Even if you got the lowest price six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or need new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Finding the best car insurance rates in Savannah is easy if you know what you’re doing. Georgia drivers just need to know the most effective way to shop for auto insurance online.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but a few need to be requested specifically prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Sign Online – A few companies will give a small break simply for signing digitally online.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Low Mileage Discounts – Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.

Consumers should know that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Where Can I Get Cheap Savannah Auto Insurance?

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You can waste a lot of time talking to insurance companies in Savannah, or you can stay home and use online quotes to get rates in a matter of minutes.

Many companies participate in a marketplace where insurance shoppers complete one form, and each participating company provides a quote determined by their information. This eliminates the need for quotation requests to every company.

To compare rates using this form now click here to start a free quote.

The only drawback to doing it this way is you don’t know exactly which companies you want to price. If you prefer to choose from a list of companies to compare, we have assembled a list of low cost auto insurance companies in Georgia. Click here to view list.

Whichever method you choose, double check that you are using exactly the same coverages and limits on every quote you get. If you have mixed coverages it will be next to impossible to find the best deal in Savannah.

Get Cheaper Rates by Understanding Pricing

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Women and men are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
  • Liability insurance protects assets – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Rate your vehicle for proper use – The more miles you rack up on your car each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.

Everyone needs different coverages

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if your insurance needs might need professional guidance.

  • What discounts do I qualify for?
  • Do I have coverage when making deliveries for my home business?
  • Do I need motorclub coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.Georgia insurance prices

Won’t my local insurance agent miss me?

A small number of people prefer to buy from a local agent and there is nothing wrong with that. Good agents can point out coverage gaps and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain better rates but also keep your business local. And providing support for local insurance agencies is especially important in Savannah.

Upon completion of this quick form, your coverage information is instantly submitted to participating agents in Savannah who will compete to get your business. There is no reason to even leave your home as quotes are delivered to the email address you provide. How cool is that?!

Savannah insurance agencies come in two flavors

When finding a reliable agent, there are a couple of different types of agents from which to choose. Agencies in Savannah are either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn the differences since it may influence buying decisions.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from at least one independent agent to ensure the widest selection of prices.

Listed below is a short list of independent insurance agencies in Savannah that are able to give rate quotes.

Hambrick Agency – 3 Devon Rd – Savannah, GA 31419 – (912) 354-8450
A B and K Walker Insurance – 440 Mall Blvd # D – Savannah, GA 31406 – (912) 356-1516
Direct General Ins Agency – 7400 Abercorn St # 702 – Savannah, GA 31406 – (912) 355-1161
Accu-Rate Insurance – 1023 W Victory Dr – Savannah, GA 31405 – (912) 236-8411

Agency Captives

These agents write business for a single company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage.

Listed below are captive insurance agencies in Savannah that can give you comparison quotes.

Liberty Mutual Insurance – 785 King George Blvd – Savannah, GA 31419 – (912) 920-3967
Georgia Farm Bureau Insurance – 1102 Shannon Ave – Savannah, GA 31406 – (912) 355-5659
State Farm Insurance – 49 Park Of Commerce Way # 201 – Savannah, GA 31405 – (912) 352-7203
Allstate Insurance – 7805 Waters Ave # 4a – Savannah, GA 31406 – (912) 352-3887

To view a complete directory of Savannah captive agencies, view this link.

Picking an insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

  • Do they carry Errors and Omissions coverage?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Is working in the agency their full-time job?
  • What insurance company do they write the most business with?
  • How long have they worked with personal auto insurance coverage?

After receiving answers to your satisfaction for all questions you ask as well as a affordable price, you may have just found an insurance agency that is a good match to insure your vehicles.

Is there deception in advertising?

Consumers in Georgia can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. All the companies make the same claim about savings if you switch your coverage to them.

Savannah GA insurance ad

How can each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that is profitable for them. For instance, a driver they prefer could be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to these standards must pay a more expensive rate and this can result in the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully make those claims.

This illustrates why drivers must get quotes from several different companies. You cannot predict the company that will fit your personal profile best.

In Summary

Cheaper auto insurance is available online and with local Savannah insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just read many tips how you can lower your auto insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the most savings is with the least-expected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner located here. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, find disaster information, and report car insurance fraud.

Additional helpful sites include’s auto insurance page and this link where you can get more info about Savannah auto insurance.