Proven Strategies for Low-Cost Statesboro, GA Car Insurance

I can’t think of a single person who looks forward to buying car insurance, particularly when they are paying too much. With so many options when it comes to car insurance, it can be impossible to pick the most affordable insurer.

Choosing the best insurance company for you in Statesboro is not that difficult. If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. Georgia vehicle owners just need to understand the most efficient way to buy car insurance online.

How to Compare Car Insurance Quotes in Statesboro, GA

Getting a cheaper price on insurance can be surprisingly simple. Drivers just need to invest a little time comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

The recommended way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate quotes for each company you want a rate for. Taking the time to complete one form will return quotes from multiple companies.
A less efficient way to shop for car insurance online is spending the time to visit each company’s website to complete their respective quote request forms. For examples sake, let’s assume you want to compare State Farm, 21st Century and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.
To view a list of companies in Statesboro, click here.
The most time-consuming method to compare rates is to waste gas driving to different Statesboro agent offices. The internet makes this process obsolete unless you have a need for the professional guidance only provided by licensed Statesboro agents. Drivers can price shop your coverage online and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make darn sure you compare identical deductibles and coverage limits on every quote. If the quotes have mixed coverages you will not be able to find the best deal in Statesboro.

More discounts equal less premium

Companies don’t list all available discounts very well, so the following is a list of both the well known and the more hidden ways to save on car insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Homeowners Discount – Being a homeowner can help you save on car insurance because owning a home requires personal responsibility.
Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Accident Waiver – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
Low Mileage – Fewer annual miles can earn better rates on cars that stay parked.
New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose insurers with discount car insurance rates in Statesboro, click here.

Informed Drivers can Cut Their Rates

Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get big savings.

Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. They both are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
More performance means more cost – The make and model of the vehicle you are insuring makes a big difference in the rate you pay. Economy passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.
High crash test scores lower rates – Safer cars get lower rates. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Your spouse saves you money – Having a spouse can actually save you money on your policy. Having a spouse means you’re more mature it has been statistically shown that drivers who are married are more cautious.
More miles equals more premium – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage receive lower rates than those used for commuting. Verify your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
Your age impacts your rates – Older insureds tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be more careless when behind the wheel therefore car insurance rates are much higher.
Car features impact rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Can’t I compare rates from local Statesboro agents?

Some consumers would rather visit with an insurance agent. Professional agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is you may find the best rates and still choose a local agent.

For easy comparison, once you complete this short form, your coverage information is submitted to agents in your area who will give you bids for your coverage. There is no reason to leave your house since price quotes are sent directly to your email. How cool is that?!

Deciding on a company shouldn’t rely on just a low price. Here are some questions to ask:<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-108.jpg" alt="Statesboro GA car insurance prices” />

Can they provide you with a list of referrals?
Will their companies depreciate repairs to your car based on the mileage?
If they are an independent agency, which companies do they recommend?
What insurance company do they write the most business with?
What are the financial ratings for the companies they represent?
Are there any hidden costs in their price quote and does it include driving and credit history?
Do you have coverage for a rental car if your vehicle is in the repair shop?

Insurance agent types

If you’re trying to find a reliable agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in Statesboro are categorized either captive or independent (non-captive). Either one can insure your vehicles, but it’s good to learn the differences because it can impact the selection process.

Captive Agents

These agents work for only one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so always compare other rates. Captives receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

The following is a list of captive insurance agencies in Statesboro willing to provide rate quotes.

State Farm Insurance – 376 Northside Dr – Statesboro, GA 30458 – (912) 764-6195
Allstate Insurance – 601 Brannen St # B – Statesboro, GA 30458 – (912) 764-6500
Farm Bureau Insurance – 366 Northside Dr E – Statesboro, GA 30458 – (912) 764-6231

Independent Agents

Independent insurance agents are not locked into one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.

When shopping rates, you should always include price quotes from several independent insurance agents for maximum quote selection.

The following are independent agents in Statesboro that can give you price quote information.

Affordable Insurance – 309 Northside Dr W – Statesboro, GA 30458 – (912) 764-7056
Statesboro Agency Inc – 102 Langston Chapel Rd – Statesboro, GA 30458 – (912) 681-4619
Waters Insurance – 813 Gentilly Rd – Statesboro, GA 30458 – (912) 489-2046
Direct General Ins Agency – 300 E Main St – Statesboro, GA 30458 – (912) 764-3153

For a complete listing of Statesboro insurance agents, visit this site.

Upon receiving answers to your satisfaction to all your questions and a good coverage price, it’s possible that you found an insurance agency that will service your policy.

More detailed Georgia car insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can find out industry alerts, file complaints about an insurance agent or broker, file complaints about a company, and get help finding coverage.

Also read more on NAIC.org’s Understanding your Policy and this list of insurance agents in Statesboro, GA.

Is there truth in advertising?

Consumers can’t get away from ads for cheaper car insurance by State Farm and Allstate. All the ads make the same claim about savings if you change to their company.

How do they all make the same claim?

All companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer could possibly be a mature driver, insures multiple vehicles, and has a high credit rating. Any driver who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who do not match these standards will be charged higher rates which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s why companies can advertise the savings. That is why it is so important to get a wide range of price quotes. It’s not possible to predict which company will have the lowest rates.

Keep this in mind

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford.

We just presented a lot of ways to lower your car insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.