Insider Techniques for the Cheapest Douglasville Georgia Car Insurance

Sick and tired of trying to scrape together enough money to buy car insurance? You are no different than the majority of other car owners in Georgia.

Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the lowest cost out there.

It’s smart to check car insurance prices occasionally because prices change regularly. Just because you had the best deal a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online, so I’m going to show you the best ways to save money.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Most are applied when you get a quote, but a few need to be inquired about before being credited.

  • Senior Citizens – Older drivers can possibly qualify for a small decrease in premiums.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing over the internet.

It’s important to note that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurers with discount car insurance rates in Douglasville, click Douglasville GA insurance quote

Douglasville Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Understanding what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
  • Your spouse saves you money – Having a wife or husband can actually save you money on car insurance. It translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • High performance equals high price – The performance level of the vehicle you are insuring makes a substantial difference in determining your rates. Lower performance four cylinder passenger models receive the most favorable rates, but the final cost of insurance is determined by many other factors.
  • Add-on coverages can add up – There are quite a few extra coverages that you can get tricked into buying on your car insurance policy. Things like personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Mature drivers pay less – Young drivers in Georgia are known to be more careless behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a teen driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.

Slick advertising tricks that work

Companies like GEICO, State Farm and Progressive consistently run ads in print and on television. All the ads say the same thing about savings if you change to them. How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be a mature driver, has no driving citations, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to the “perfect” profile will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do.

This emphasizes why it is so important to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

free Douglasville GA insurance quote

Online resources for education

Additional car insurance information can be found on the website for the Georgia Insurance and Safety Fire Commissioner located here. Consumers can view agent and company licensing information, learn about specific coverages, read industry bulletins, and view a list of available companies.

Smart shoppers get results

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price.

Throughout this article, we presented many ideas to save on car insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies. Regional companies often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.