Find the Secrets to Paying Less for Newnan, GA Auto Insurance
Are you sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners in Georgia.
Consumers have many insurers to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to find a good deal.
Consumers need to shop coverage around periodically since insurance rates go up and down regularly. Just because you found the best deal two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.
Take advantage of discounts
Companies offering auto insurance don’t necessarily list all their discounts very well, so the following is a list of both the well known as well as the least known discounts you could be receiving.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Defensive Driver – Taking a defensive driving course could save 5% or more depending on where you live.
- Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
- College Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
To choose companies with discount auto insurance rates in Newnan, follow this link.
Finding Auto Insurance in Newnan, Georgia
There are several ways to compare quotes from different in Newnan, Georgiainsurance companies. The quickest method to find the cheapest insurance rates consists of shopping online. This can be done using a couple different methods.
- The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual auto insurance company. In just a few minutes this one form will get you rate comparisons from multiple companies.
- A harder way to shop for auto insurance online consists of visiting the website for each individual company to request a price quote. For instance, we’ll assume you want rates from GEICO, 21st Century and Progressive. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.
For a list of links to companies insuring cars in Newnan, click here.
However you get your quotes, make darn sure you compare exactly the same information with every price quote. If you are comparing different limits and deductibles on each one you will not be able to determine the best price in Newnan. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes provides better odds of finding better pricing.
The best insurance company isn’t always the cheapest
You just learned a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the best price on auto insurance is with a small local company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
The cheapest auto insurance can be purchased online in addition to many Newnan insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford.